FundLoans for North Dakota 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.
North Dakota context
North Dakota steady DSCR. Oil/gas economy volatile.
How FundLoans positions in North Dakota
For North Dakota specifically, FundLoans fits investors who match the hard money approach. The medium cash flow profile of North Dakota aggregate makes it workable for FundLoans.
City-level coverage in North Dakota
FundLoans provides DSCR coverage across North Dakota metros including Fargo, Bismarck, and North Dakota. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across North Dakota 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 |
| North Dakota property tax | 1% |
| North Dakota state income tax | 2.9% |
FundLoans strengths in North Dakota
- 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 North Dakota coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Fargo is the top investor market in North Dakota and is generally within FundLoans states not publicly disclosed footprint. Fargo property tax follows the North Dakota state rate of 1 percent. FundLoans typically underwrites Fargo acquisitions at standard rate sheets.
Yes. Bismarck ranks among the larger North Dakota investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Bismarck matters for property selection.
FundLoans applies the same rate sheet across North Dakota metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Fargo, Bismarck, and North Dakota 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.
North Dakota steady DSCR. Oil/gas economy volatile. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in North Dakota.
North Dakota allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
FundLoans in North Dakota works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.