Hard Money Loans Minnesota
Asset-based Minnesota hard money built for the Twin Cities and beyond – up to 95% of purchase, 100% of the rehab funded in draws, and closings in as fast as 5-10 days in a stable, Fortune-500-anchored market.
- Hard Money Loans Minnesota qualify on the property and the deal – not your tax returns
- Up to 95% LTC on the purchase and 100% of rehab costs reimbursed by draw
- Fix & flip, bridge, ground-up, cash-out and rental-exit refinances statewide – fund in about a week
- Interest-only payments; no prepay on most programs; close in an LLC
- Foreign-national and first-time investors welcome; loans from $75K to $20M+
- Minneapolis, St. Paul, Rochester, Duluth, Bloomington and beyond
Free Minnesota Hard Money Quote
What is a Minnesota hard money loan?
A Minnesota hard money loan is short-term, asset-based financing secured by the property itself. We underwrite the deal – purchase, rehab budget and after-repair value (ARV) – not your W-2s or tax returns, so you can close in a week to ten days and pay interest only while you renovate and sell or refinance.
In a steady, high-income market like the Twin Cities, hard money is the tool that lets you move fast. Fund up to 95% of a Minneapolis or St. Paul purchase and have 100% of your rehab reimbursed by draw, keeping your own capital free to run several projects across a compressed Minnesota building season.
Minnesota hard money – the numbers that matter
| Cost coverage (LTC) | Up to 95% of the Minnesota purchase price for experienced operators |
|---|---|
| Rehab draws | 100% of the renovation budget, funded in stages |
| ARV ceiling | Usually no more than 75% of completed value |
| Rate | From 9.99% on an interest-only basis |
| Points and term | About 1.5-3 points; 6-18 month terms plus extensions |
| Credit floor | 620+, no W-2s or tax returns needed |
| Property types | Twin Cities bungalows, St. Paul historics, small multifamily, mixed-use, build |
| Loan range | $75,000 through $20 million-plus |
| Title | Held in your LLC; self-employed and first-time investors welcome |
Why a Minnesota hard money loan wins deals – and builds returns
Speed in a tight season
Minnesota’s building and selling season is compressed, so a 5-10 day close helps you acquire early and finish before winter.
95% LTC in a higher-price market
With Twin Cities single-family near $390K, financing 95% of purchase keeps your down payment small and your capital working.
100% of rehab, funded
We reimburse the full renovation budget by draw – ideal for Minnesota’s older housing stock in Minneapolis and St. Paul.
Underwrite the deal, not you
No tax returns or W-2s. We qualify the Minnesota purchase, rehab and ARV, so self-employed and first-time investors get a fair look.
Stable, high-income demand
A dense Fortune 500 base and strong incomes keep Twin Cities resale and rental demand resilient through cycles.
A clean MN exit
Flip and sell, or refinance into a 30-year DSCR rental with the same lender – the exit is built in so your Minnesota project never stalls.
The Minnesota real estate market in 2026 – investor deep dive
Minnesota is a stable, high-income investor market, and 2026 has settled into sustainable appreciation. The statewide median sits near $374,000 (up ~1%), with Minneapolis single-family homes averaging about $390,500 and condos near $250,000. Inventory has recovered to roughly 2.5-3.1 months of supply, and homes now sit 45-52 days on market – a balanced backdrop that rewards investors who can move quickly.
That steadier pace, paired with older housing stock across the Twin Cities and Rochester, is fertile ground for value-add flips and rental conversions. Minnesota’s diversified, Fortune-500-heavy economy – healthcare, retail, finance and manufacturing – underpins durable end-user demand. The disciplined play is to buy under-market in Minneapolis and St. Paul, budget for a compressed season, and use hard-money speed to shorten the hold.
Top Minnesota markets for hard money in 2026-2027
Minneapolis
The state’s largest market pairs a deep, high-income job base with renovation-ready housing across dozens of neighborhoods.
St. Paul
Historic homes and steady government-and-university employment make St. Paul a dependable flip and rental market.
Rochester
The Mayo Clinic anchor and Destination Medical Center expansion drive some of Minnesota’s most reliable housing demand.
Bloomington / suburbs
Inner-ring suburbs offer strong family-rental demand and stable values near major employers.
Duluth
Affordable entry points and tourism demand support both flips and short-term rentals on the North Shore.
St. Cloud
Lower prices and a university base make St. Cloud a solid cash-flow market for buy-and-hold investors.
Sample Minnesota fix & flip – 95% LTC + 100% of rehab
A representative Minnesota flip financed with hard money. Leveraging 95% of the purchase and 100% of the rehab keeps the investor’s cash-in low and the project-level return high:
| Purchase price | $270,000 |
|---|---|
| Loan at 95% LTC (purchase) | $321,500 · investor down payment $13,500 |
| Rehab budget (100% financed, by draw) | $65,000 |
| After-repair value (ARV) | $430,000 |
| Interest (10.5% IO, ~6-month hold) | − $16,879 |
| Points & closing costs (est.) | − $10,430 |
| Selling costs (~6.5% of ARV) | − $27,950 |
| Estimated net profit | ≈ $43,741 |
| Cash invested (down + costs + reserves) | ≈ $23,930 |
Illustrative for 2026 and not a guarantee or an offer. Actual purchase, rehab, ARV, rate, points, taxes and sale costs vary by property, market, experience and program in Minnesota. High leverage magnifies both returns and risk. Business-purpose, non-owner-occupied only. Consult your CPA. Equal Housing Lender.
Minnesota hard money loan calculator
Estimate only. Assumes 100% of rehab financed, 2 points, ~$4,000 reserves/closing and 6.5% sale costs. Verify all figures with your Minnesota loan officer.
Minnesota hard money loan programs
Fix & Flip
Up to 95% LTC + 100% rehab; 6-18 month interest-only for buy-renovate-sell across Minnesota.
Bridge
Fast Minnesota bridge financing to acquire or reposition while you line up a permanent exit.
Ground-Up Construction
Lot plus vertical costs for infill and spec builds across the Twin Cities and greater Minnesota.
Cash-Out / Refi
Pull equity from a Minnesota property to fund your next acquisition or rehab.
Rental (DSCR) Exit
Refinance your finished Minnesota flip into a 30-year DSCR loan and keep it as a rental.
Small Multifamily & Mixed-Use
2-4 units, duplexes and mixed-use value-add on an asset-based, no-income-doc basis.
Minnesota cities we fund
- Minneapolis
- St. Paul
- Rochester
- Duluth
- Bloomington
- Brooklyn Park
- Plymouth
- Maple Grove
- St. Cloud
- Eagan
- Woodbury
- Eden Prairie
We fund all Minnesota markets – statewide, corner to corner. Don’t see your city? Send us the deal and we’ll fund it.
Minnesota hard money loan FAQ
How fast can you close a Minnesota hard money loan?
Clean deals with a complete file and clear title routinely close in 5-10 business days because we qualify the property and the deal, not your income.
Do you finance 95% LTC and 100% of the rehab in MN?
Yes – experienced Minnesota investors can access up to 95% of the purchase price and 100% of the renovation budget by draw, subject to staying within about 75% of completed value.
What credit and documents do I need?
Credit from 620 with no income documentation. We focus on the Minnesota purchase, rehab scope, ARV and your experience. Foreign-national and first-time investors are welcome.
What does a Minnesota hard money loan cost?
Rates start around 9.99% interest-only with roughly 1.5-3 points depending on leverage, experience and the deal, keeping monthly carry low during the hold.
Which Minnesota markets do you lend in?
Statewide – Minneapolis, St. Paul, Rochester, Duluth, Bloomington, St. Cloud and every market in between.
Can I roll a flip into a long-term MN rental?
Yes – refinance your finished project into a 30-year DSCR rental loan with us, with the exit built in from the start.
Do you lend in greater Minnesota outside the Twin Cities?
Yes – from Rochester and Duluth to St. Cloud, we finance projects statewide, not just in Minneapolis-St. Paul.
Can you fund a project during Minnesota’s short building season?
Yes – a fast close helps you acquire early and finish before winter, and interest-only carry keeps costs low while you renovate.
Apply for your Minnesota hard money loan
Tell us about your Minnesota property – purchase price, rehab budget and ARV – and get real terms fast with no income docs and no hard credit pull to quote. Investor financing only: foreign-national and first-time investors welcome, close in an LLC, from $75,000 to $20 million+ statewide.
Get a Free Minnesota Hard Money Quote
Minnesota Real Estate Outlook 2027, 2028 and Beyond
Minnesota’s outlook for 2027 and 2028 is anchored by stability and a wave of new investment. The state is home to one of the densest concentrations of Fortune 500 headquarters in America – UnitedHealth Group, Target, 3M, Best Buy, U.S. Bancorp, General Mills and Ecolab among them – which gives the Twin Cities a high-income, recession-resistant tenant and buyer base that few markets can match into 2028 and beyond.
New capital is arriving too. Meta is building an $800 million-plus data center in Rosemount, part of a broader data-center and advanced-manufacturing push across the metro, while Rochester’s Mayo Clinic-led Destination Medical Center continues a multi-billion-dollar, decades-long expansion. Population growth is modest and steady rather than explosive, but that stability – plus limited new construction – keeps housing supply tight and rental demand dependable.
For a Minnesota hard-money borrower, stability is the opportunity: predictable ARVs, resilient rents, and older housing stock ripe for value-add. Closing in as fast as 5 days with up to 95% LTC and 100% of rehab funded lets you buy, renovate within a short season and exit into a durable, high-income market that keeps its footing through 2027, 2028 and beyond.
Population, migration and relocation figures are third-party estimates and public projections, vary by source and county, and are not guarantees.
Minnesota hard money rates, LTCs, ARVs, returns and terms shown are illustrative for 2026, subject to change, and depend on the specific property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.