REHAB & BRRRR LOANS · Minnesota (MN) Underwriting Matrix

Minnesota Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Minnesota Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 Business Days close). In Minnesota (MN), lenders underwrite to a Non-Judicial (Foreclosure by Advertisement) statutory framework (60–90 days (+ 6-mo redemption)-day average timeline), a 1.11% average property tax rate (~$319/mo at the $345,000 state median), and $590/$100K hazard insurance (~$170/mo).

Max Leverage / LTC

Up to 85%–90% LTC + 100% Rehab Escrowed

Min FICO: 620+ FICO

2026 Rate Band

9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)

12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi

MN Security Instrument

Non-Judicial (Foreclosure by Advertisement)

60–90 days (+ 6-mo redemption) days avg timeline

MN Avg Tax & Ins

1.11% Tax

$590/$100K Hazard Ins

How Rehab & BRRRR Loans Work in Minnesota (MN)

Investor rehab loans are engineered for the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy—funding up to 90% of purchase and 100% of renovation costs, then transitioning into a 75% LTV 30-year fixed DSCR cash-out refinance as soon as work is complete and the property is leased.

1. Minnesota Median Benchmark

Median 1–4 unit price of $345,000 (75% LTV = $258,750) with Form 1007 rent of $2,550/mo and multifamily rent of $1,490/door.

2. Escrow & Title Underwriting

Minnesota operates under a Non-Judicial (Foreclosure by Advertisement) regime (60–90 days (+ 6-mo redemption) days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your Minnesota LLC or Delaware LLC registered in MN with zero personal tax returns, W-2s, or 4506-C transcripts.

Minnesota County-Level Property Tax & Insurance Hubs (1)

Hennepin County (Minneapolis), MN

Hennepin County (Minneapolis), MN · 1.32% Tax · $620/$100K Ins

Explore Other Programs in Minnesota

Minnesota DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Minnesota Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Minnesota Private Money Loans (Up to 80% LTV / 85% LTC)Minnesota Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Minnesota Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Minnesota Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Minnesota Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Minnesota Commercial Property (Up to 75% LTV)Minnesota Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))