MoFin Lending for Minnesota investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Minnesota context
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper.
How MoFin Lending positions in Minnesota
Within Minnesota, MoFin Lending competes alongside other DSCR lenders. MoFin Lending strengths: Licensed in 34 states, Direct lender. The medium aggregate DSCR economics of Minnesota create demand for MoFin Lending programs in Minneapolis and St. Paul particularly.
City-level coverage in Minnesota
MoFin Lending 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. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Minnesota property tax | 1.1% |
| Minnesota state income tax | 9.85% |
MoFin Lending strengths in Minnesota
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Minnesota. MoFin Lending is based in an undisclosed location and operates nationally.
Minneapolis is the top investor market in Minnesota and falls within MoFin Lending national coverage. Minneapolis property tax follows the Minnesota state rate of 1.1 percent. MoFin Lending 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 MoFin Lending. Submarket variation within St. Paul matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Minnesota.
Minnesota allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For Minnesota DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.