Minnesota · Investor & commercial real estate
Investment Property & Commercial Loans in Minnesota
LOANKWEST matches Minnesota real estate investors with lenders for rental, fix & flip, hard money, bridge, construction and commercial loans, on properties in Minneapolis, Saint Paul, Rochester, Duluth and Bloomington and across the state. One application, a dedicated loan advisor, and your deal presented to the lenders that fit it.
- 14 loan programs for Minnesota properties
- No credit pull to apply
- LLC & out-of-state investors welcome
Loan programs in Minnesota
Every LOANKWEST program for Minnesota investors
Pick a program to see its terms, run the numbers and apply. Availability shown is for properties located in Minnesota.
Rental Properties
Buy & Hold
DSCR Rental Loans in Minnesota
Qualify on the property's rent, not your tax returns.
DSCR Rental Loans for Minnesota properties ▸Non-DSCR Rental Loans in Minnesota
Rent doesn't cover the payment? No minimum DSCR, no minimum credit score.
Non-DSCR Rental Loans for Minnesota properties ▸Rapid Investor HELOC
Not currently available for Minnesota properties.
View program details ▸Foreign National Loans in Minnesota
U.S. rental financing for investors who live abroad or don't have U.S. credit.
Foreign National Loans for Minnesota properties ▸No Minimum FICO DSCR in Minnesota
Equity is the qualifier. No credit score required, no DSCR calculation.
No Minimum FICO DSCR for Minnesota properties ▸Temporary Funds
Short-Term Loans
Fix & Flip in Minnesota
Purchase and rehab funding, up to 100% for experienced flippers.
Fix & Flip for Minnesota properties ▸Hard Money Loans in Minnesota
Asset-based private loans for residential, commercial and land. The property qualifies.
Hard Money Loans for Minnesota properties ▸Bridge Loans in Minnesota
Short-term capital when the deal can't wait for a bank.
Bridge Loans for Minnesota properties ▸GAP Funding in Minnesota
Unsecured cash for the down payment, rehab or auction, sized on your credit and income.
GAP Funding for Minnesota properties ▸Bail Out Funding in Minnesota
Short-term capital to rescue a stuck property: maturing loan, probate, or a stalled build.
Bail Out Funding for Minnesota properties ▸New Construction in Minnesota
Ground-up financing for spec, build-to-rent and small multifamily.
New Construction for Minnesota properties ▸Vacant Land in Minnesota
Raw acreage, entitled parcels and finished lots.
Vacant Land for Minnesota properties ▸Construction Material Funding in Minnesota
Suppliers get paid today. You pay in up to 90 days, after the draw hits.
Construction Material Funding for Minnesota properties ▸Acquire or Reposition
Commercial
Minnesota lending guidelines
Compare loan programs in Minnesota
Typical ranges across our lender network. Your advisor confirms exact terms once lenders review your deal.
| Program | Loan size | Leverage | Terms & speed | Minnesota |
|---|---|---|---|---|
| DSCR Rental Loans | $100K – $3M | Up to 85% LTV on purchases | 30-yr fixed, ARM or interest-only; qualifies on rent | Available |
| Non-DSCR Rental Loans | $100K – $2M | Up to 75% LTV on purchases | No minimum DSCR or FICO | Available |
| Rapid Investor HELOC | $25K – $750K | 85% / 80% / 70% CLTV (1st/2nd/3rd) | 5-day close on lines up to $400K | Not available |
| Foreign National Loans | $100K – $2M+ | Up to 75% LTV on purchases | No U.S. credit or SSN required | Available |
| No Minimum FICO DSCR | Up to $1.5M | Up to 55% LTV | Equity-qualified; no minimum credit score | Available |
| Fix & Flip | Varies by lender | Up to 100% of purchase & rehab (experienced) | 12-month no-payment option | Available |
| Hard Money Loans | $25K – $5M | Resi 65–75% · Comm 55–65% · Land 50% | Asset-based; no minimum credit | Available |
| Bridge Loans | $100K – $5M | Up to 75% LTV | Interest-only; 7–14 day closing window | Available |
| GAP Funding | $20K – $350K+ | Unsecured (no collateral) | 2–10 yr terms; 3–10 business days to fund | Available |
| Bail Out Funding | $50K – $500K | Up to 70% of ARV | 6 months or less | Available |
| New Construction | $150K – $5M | Up to 85% of cost, 100% of build | Fast draw schedules | Available |
| Vacant Land | $50K – $2M | Up to 65% LTV | Interest-only; path to construction | Available |
| Construction Material Funding | Per supplier invoice | Supplier paid up front | Up to 90-day terms; no blanket lien | Available |
| Commercial Loans | $250K – $50M+ | Up to 75–80% LTV; SBA up to 90% | 1–30 year terms | Available |
| Joint Venture Funding | $50K – $500K | 100% of costs; 50/50 profit split | 6-month term | Available |
Business-purpose loans only. Rates, terms and leverage are representative, vary by lender, property and borrower, and can change without notice. LOANKWEST is a loan broker, not a lender.
FAQ
Minnesota investor loan questions
Does LOANKWEST arrange real estate investor loans in Minnesota?
Yes. LOANKWEST is a commercial loan broker that matches Minnesota investors with lenders in its network for 14 business-purpose loan programs, from rental and fix & flip loans to construction, bridge and commercial financing. The Rapid Investor HELOC program is not currently offered for Minnesota properties. LOANKWEST is a broker, not a lender: every loan is made by a third-party lender.
Which loan programs are available for Minnesota investment properties?
For properties in Minnesota you can apply for: DSCR Rental Loans, Non-DSCR Rental Loans, Foreign National Loans, No Minimum FICO DSCR, Fix & Flip, Hard Money Loans, Bridge Loans, GAP Funding, Bail Out Funding, New Construction, Vacant Land, Construction Material Funding, Commercial Loans, Joint Venture Funding. Terms, rates and leverage vary by lender and by deal.
Which Minnesota markets do you work in?
Investors use LOANKWEST for properties across Minnesota, including Minneapolis, Saint Paul, Rochester, Duluth and Bloomington. Eligibility depends on where the property is located, not on the city you live in.
Do I have to live in Minnesota to finance a property there?
No. Eligibility is based on where the property sits, not where you live, so out-of-state and foreign national investors can finance Minnesota properties. Many programs, including DSCR rental loans, let you close in an LLC or corporation.
How fast can a Minnesota loan close?
It depends on the program and the lender. Bridge loans typically close in 7 to 14 days, the Rapid Investor HELOC can fund in as few as 5 business days on lines up to $400,000 where it is available, and GAP funding often funds in 3 to 10 business days. Your LOANKWEST advisor gives you a realistic timeline once lenders review your deal.
Does applying for a Minnesota loan affect my credit?
No. LOANKWEST never pulls your credit. Depending on the program, a lender may ask for your authorization to review credit later, once you choose to move forward.
Start a Minnesota deal
Apply for a Minnesota property
Choose the program that fits your deal. Its application opens below with Minnesota already selected. About 5 minutes, no credit pull.