Hard Money Lenders Minnesota – Fast Funding for Real Estate Investors
Investors across Minnesota rely on our hard money lending programs for fix & flip projects, DSCR rentals, spec home construction, and commercial real estate. Serving Minneapolis, St. Paul, Rochester, and surrounding areas, we provide fast approvals, flexible financing, and closings in as little as 7–20 days nationwide.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Minnesota real estate investors know that timing is everything. With hard money lenders Minnesota, you can secure fast, reliable financing for fix & flip projects, 1–4 unit rental properties, spec home construction, and commercial investments. Serving Minneapolis, St. Paul, Rochester, Duluth, and surrounding communities, we specialize in quick approvals, minimal paperwork, and closings in as little as 7–20 days. Our programs give investors the flexibility to move quickly in competitive markets without being slowed by traditional banks.
Our Minnesota hard money loans are tailored to project potential and property value rather than strict income verification. Whether you are acquiring a small multifamily rental or building a new spec home, partnering with hard money lenders Minnesota ensures you get the capital you need efficiently. With decades of experience and thousands of loans funded nationwide, we provide solutions that help investors maximize returns and expand their real estate portfolios confidently.
We Lend in:
Minneapolis, St. Paul, Rochester, Duluth, Bloomington, Brookyln Park, Plymouth, Maple Grove, St. Cloud, Woodbury and all cities in Minnesota
Investment Loan Programs in Minnesota
Minnesota Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Minnesota. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Minnesota Spec Home Construction Loans
Finance speculative home builds with fast approvals for Minnesota investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Minnesota 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Minnesota.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Minnesota 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Minnesota.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Minnesota Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Minnesota Commercial Hard Money Loans
Financing for commercial real estate investors across Minnesota, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Frequently Asked Questions – Hard Money Loans Minnesota
What types of hard money loans do you offer in Minnesota?
We provide fix & flip loans, DSCR rental loans, spec home construction financing, asset-based loans, and commercial hard money lending for 1–50+ unit properties throughout Minnesota.
How quickly can I get approved and funded?
Most loans close in 7–20 days depending on the loan type and project documentation. Our team prioritizes speed without sacrificing thorough underwriting.
Do I need a high credit score to qualify?
Credit requirements vary by program. DSCR rental loans typically require 660+ mid credit scores, while fix & flip, construction, and commercial loans consider experience and deal strength more heavily than credit alone.
Can I use lot equity for a spec home construction loan?
Yes. Minnesota builders may leverage up to 75% of lot value toward their total loan-to-cost, reducing out-of-pocket expenses while financing ground-up construction projects.
Do you lend throughout Minnesota?
Yes. We serve all major metro areas including Minneapolis, St. Paul, Rochester, Duluth, Bloomington, and surrounding communities, as well as other parts of the state.
Are commercial properties eligible for hard money loans?
Yes. We fund office buildings, retail centers, warehouses, mixed-use developments, and multifamily residential buildings across Minnesota.
Do I need to provide personal income documentation?
No. Most programs, especially asset-based and DSCR loans, qualify borrowers based on property cash flow, value, and project potential rather than personal income.