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DSCR Rental Loans · Minnesota

DSCR rental loans in Minnesota — qualify on the rent.

Mortava DSCR loans in Minnesota: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Minnesota is stable Twin Cities multifamily with reliable, well-employed tenants. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Minneapolis, Saint Paul, Rochester and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Minnesota term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Minnesota rentals with Mortava

DSCR loans let Minnesota investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Minneapolis, Saint Paul, Rochester.

Twin Cities multifamily rents to one of the most stably employed tenant bases in the Midwest. Minnesota is less about yield spikes and more about occupancy you can set a watch to.

Top metros we lend in
Minneapolis, Saint Paul, Rochester
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)
Guidelines reviewed July 2026 by the Mortava lending team.

Minnesota DSCR loan FAQ

Can I get a DSCR loan in Minnesota?
Yes. Mortava lends on investment properties across Minnesota, including Minneapolis, Saint Paul, Rochester. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Minnesota without W-2s or DTI.
What credit score do I need for a Minnesota DSCR loan?
Most Minnesota DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Minnesota DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Minnesota.
Do you lend on rentals in Minneapolis and Saint Paul?
Yes — Mortava lends across Minneapolis, Saint Paul, Rochester and every other Minnesota market. DSCR loans are sized on each property's rent, so a Minneapolis duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a Minnesota rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Minneapolis — not your personal income or where you live — so out-of-state investors close Minnesota DSCR loans routinely.
DSCR rental loans by state
DSCR in KentuckyDSCR in LouisianaDSCR in MaineDSCR in MarylandDSCR in MassachusettsDSCR in MichiganDSCR in MississippiDSCR in MissouriDSCR in MontanaDSCR in NebraskaDSCR in NevadaDSCR in New Hampshire
All DSCR programs → Fix & Flip loans in Minnesota → Instant quote & pre-qualify →
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