Investment Property Loans in Minnesota (MN)
Rental property loans in Minnesota allow investors to finance properties in a state with a diverse real estate market, particularly in metropolitan areas like Minneapolis and St. Paul. Minnesota investors can explore various loan options, including conventional loans, portfolio loans, and government-backed programs, to find the best financing solution that aligns with their investment goals and property types.
Compare Rental Property Loans in Minnesota
Best Rental Property Lenders in Minnesota (MN)
Lima One Capital
Lima One Capital is a well known provider of specialty financing for individual and enterprise real estate investors. They are known for their streamlined processes and flexible terms.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, Single Rental Property, Portfolio, Short-Term Rentals
Rates
Rates as low as
Inquire2
Amounts
Loans starting at
$75,0003
Beeline
Beeline is a fintech mortgage lender that uses an AI-driven, fully digital platform to offer fast, simplified home‑buying, refinancing, and investment property loans.
Rating
Lender Type
Publicly Traded
Loan Types
Purchase, Refinance, DSCR, FHA, VA, Short Term Rental
Rates
Rates as low as
4.875%2
Amounts
Loans starting at
$75,0003
Kiavi
Kiavi is a real estate lending platform that specializes in providing financing solutions for real estate investors. Kiavi focuses on speed and flexibility, by leveraging technology to streamline the loan process.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, DSCR Rental, Portfolio
Rates
Rates as low as
6.375%2
Amounts
Loans starting at
$500,0003
Minnesota Mortgage Statistics 2025
Understanding mortgage trends is essential for advanced investors focused on expanding their portfolio and beginner investors looking to begin investing in rental properties. The statistics below provide valuable insights into mortgage trends that affect Minnesota rental property financing in 2025.
Current Mortgage Market in Minnesota (MN)
| Mortgage Aspects | Value |
|---|---|
| Average Monthly Payment | $1,686¹ |
| Total Loans | 1,021K¹ |
| Percent ARM (Adjustable Rate Mortgages) | 2.5%¹ |
| Total Outstanding Loan Volume | $201.1B¹ |
| Average Interest Rate | 3.9%¹ |
| Average Credit Score | 756¹ |
| Average Loan Age (Months) | 66¹ |
| Median Monthly Payment | $1,511¹ |
| Average Mark-to-Market LTV | 50.1%¹ |
Minnesota (MN) Mortgage Calculators
Rental Property Loan Calculators
Considering a rental property in Minnesota? Use our calculators to estimate loan payments, calculate down payments, and more before you invest.
The #1 Rental Property Newsletter
Once a month, we send out an exclusive Rental Property Market Update with top stories, current mortgage rates, building products, and more. No spam and unsubscribe anytime.
Minnesota Rental Property Loan FAQ
What Types Of Loans Are Offered For Rental Properties In Minnesota?
Minnesota investors can take advantage of several loan options, including conventional investment mortgages, FHA multifamily financing, portfolio loans, commercial property loans, and private or hard money lenders. Each financing option supports different property types, investor strategies, and financial backgrounds.
What Are The Typical Down Payment Requirements For Rental Property Loans In Minnesota?
Most lenders in Minnesota require down payments of 15% to 25% for rental property loans. The exact amount depends on your credit profile, lender requirements, and specific property details.
Do Rental Property Loans In Minnesota Have Higher Interest Rates Than Loans For Primary Residences?
Yes, rental property loans in Minnesota generally carry higher interest rates than those for owner-occupied homes. Lenders adjust rates upward to account for the added risk of financing investment properties.
What Paperwork Should I Gather When Applying For A Rental Property Loan In Minnesota?
Applicants should prepare proof of income, recent tax returns, bank statements, a credit report, and an appraisal when applying for a Minnesota rental property loan. Lenders often request additional documentation about current or projected rental income, such as signed leases or market rent assessments.
Is It Possible To Refinance A Rental Property Loan In Minnesota?
Yes, refinancing is a common option for Minnesota rental property owners looking to improve loan terms, secure lower rates, or access equity. The process typically involves updated financial records, a new property appraisal, and a review of your current credit status.
Search Rental Real Estate
Try searching out site for hundreds of rental property topics including loans, investor tool reviews, real estate companies, property management tips and more.
Minnesota Real Estate Investor Resources
Minnesota (MN) Rental Property Management
Minnesota rental property management focuses on handling tenant relations, property maintenance, and legal compliance to help property owners maximize their investment returns.
Minnesota (MN) Rental Property Insurance
Minnesota landlord insurance provides real estate investors with essential protection against financial losses caused by property damage, liability claims, loss of rental income, and other risks associated with owning and managing rental properties.
Minnesota (MN) Rental Agreements
Residential rental agreements in Minnesota outline the terms of the tenancy, including rent, lease duration, and the responsibilities of both landlords and tenants.
Minnesota (MN) Average Rent Prices 2025
Average rent prices in Minnesota vary, with one-bedroom apartments in cities like Minneapolis and St. Paul typically renting for $1,200 to $1,800 per month. In smaller towns, rent prices are generally lower, often ranging from $800 to $1,200 per month.
Find Rental Property Loans in Other States
Alabama Rental Property Loans
Alaska Rental Property Loans
Arizona Rental Property Loans
Arkansas Rental Property Loans
California Rental Property Loans
Colorado Rental Property Loans
Connecticut Rental Property Loans
Delaware Rental Property Loans
Florida Rental Property Loans
Georgia Rental Property Loans
Hawaii Rental Property Loans
Idaho Rental Property Loans
Illinois Rental Property Loans
Indiana Rental Property Loans
Iowa Rental Property Loans
Kansas Rental Property Loans
Kentucky Rental Property Loans
Louisiana Rental Property Loans
Maine Rental Property Loans
Maryland Rental Property Loans
Massachusetts Rental Property Loans
Michigan Rental Property Loans
Minnesota Rental Property Loans
Mississippi Rental Property Loans
Missouri Rental Property Loans
Montana Rental Property Loans
Nebraska Rental Property Loans
Nevada Rental Property Loans
New Hampshire Rental Property Loans
New Jersey Rental Property Loans
New Mexico Rental Property Loans
New York Rental Property Loans
North Carolina Rental Property Loans
North Dakota Rental Property Loans
Ohio Rental Property Loans
Oklahoma Rental Property Loans
Oregon Rental Property Loans
Pennsylvania Rental Property Loans
Rhode Island Rental Property Loans
South Carolina Rental Property Loans
South Dakota Rental Property Loans
Tennessee Rental Property Loans
Texas Rental Property Loans
Utah Rental Property Loans
Vermont Rental Property Loans
Virginia Rental Property Loans
Washington Rental Property Loans
West Virginia Rental Property Loans
Wisconsin Rental Property Loans
Wyoming Rental Property Loans
Types of Rental Property Loans
1Methodology
Data
Mortgage data is based on aggregated data from one and/or several sources noted below:
2Rate Based on Publicly Posted Information on Lenders Website
3Loan Amount Based on Publicly Posted Information on Lenders Website
Disclaimer
The information included is used for illustrative purposes only. The data contained herein does not constitute financial, legal, or any material advice. Data is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals before making any material decisions.
Affiliate Disclaimer
This site contains affiliate links to products and services. We may receive a commission for purchases made through these links, at no additional cost to you. Our recommendations are based on thorough research and we only endorse products that we believe will bring value to our users.