FundLoans for Minnesota investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Minnesota context
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper.
How FundLoans positions in Minnesota
Minnesota is well covered by national DSCR lenders, with FundLoans as one option. Where FundLoans differentiates: Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000). Where it competes: rates not publicly published against peer programs.
City-level coverage in Minnesota
FundLoans provides DSCR coverage across Minnesota metros including Minneapolis, St. Paul, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Minnesota metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Minnesota property tax | 1.1% |
| Minnesota state income tax | 9.85% |
FundLoans strengths in Minnesota
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Minnesota coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Minneapolis is the top investor market in Minnesota and is generally within FundLoans states not publicly disclosed footprint. Minneapolis property tax follows the Minnesota state rate of 1.1 percent. FundLoans typically underwrites Minneapolis acquisitions at standard rate sheets.
Yes. St. Paul ranks among the larger Minnesota investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within St. Paul matters for property selection.
FundLoans applies the same rate sheet across Minnesota metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Minneapolis, St. Paul, and Rochester all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Minnesota.
Minnesota allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
Minnesota investors considering FundLoans should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.