Genesis Capital for Minnesota investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Minnesota context
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper.
How Genesis Capital positions in Minnesota
Within Minnesota, Genesis Capital competes alongside other DSCR lenders. Genesis Capital strengths: large transaction capacity, institutional-quality underwriting. The medium aggregate DSCR economics of Minnesota create demand for Genesis Capital programs in Minneapolis and St. Paul particularly.
City-level coverage in Minnesota
Genesis Capital 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. Genesis Capital program terms apply uniformly across Minnesota metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Minnesota property tax | 1.1% |
| Minnesota state income tax | 9.85% |
Genesis Capital strengths in Minnesota
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Minnesota. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Minneapolis is the top investor market in Minnesota and falls within Genesis Capital national coverage. Minneapolis property tax follows the Minnesota state rate of 1.1 percent. Genesis Capital 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 Genesis Capital. Submarket variation within St. Paul matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Minnesota.
Minnesota allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
For Minnesota DSCR borrowers, Genesis Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.