Minnesota
Active LendingOpportunity ZoneMinnesota real estate investment market
Median Home Value
$341,308
Est. Cap Rate
2.8%
Based on rent yield × 65%
Vacancy Rate
9.4%
72% owner-occupied
Population
5.7M
Median income: $87,556
Minnesota Investment Analysis
Minnesota is a major metropolitan market with 5.7M residents and a median home value of $341,308. The 2.8% cap rate positions Minnesota as a premium appreciation market where equity growth drives returns. Values are stable with 2.4% annual growth, offering predictable returns without overheating risk. As your Real Estate CFO, we recommend exploring bridge financing for repositioning in Minnesota. Get pre-qualified for $150K–$10M in financing — term sheet in 48 hours.
Market Details
Housing Stock
2.5M units
Single-family: 1.7M
Multifamily: 585K (23.2%)
Investment Metrics
Gross Yield 4.3%
Cap Rate 2.8%
Price-to-Rent 23.0 (Favors renting)
Property Tax $3,184/yr
Demographics
Median Income $87,556
Median Age 38.6
Employment 99.9%
Home Value Trends
1-Year Appreciation +2.4%
3-Year Appreciation +7.9%
5-Year Appreciation +22.6%
Rental Market
$1,235/mo
Renter population: 27.6%
Lending Status
Active Lending
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Investor Resources — Minnesota
Key government departments and regulatory contacts for real estate investors
Contractor Licensing
Minnesota Department of Labor and Industry - Construction Codes and Licensing
Residential contractors must be licensed; commercial contractor licensing varies
Eviction Court
District Court / Housing Court
14-day notice to pay or quit; ~14-30 days total; housing courts in Hennepin and Ramsey counties
Real Estate Commission
Minnesota Department of Commerce - Real Estate
No separate commission; regulated by Dept of Commerce; St. Paul
Rent Control
St. Paul Dept. of Safety & Inspections - Rent Stabilization
No statewide rent control. No preemption - local jurisdictions may enact rent control with voter approval. St. Paul has 3% annual rent increase cap (with exceptions up to 8%). Minneapolis considered but did not pass rent control.
Investment Strategy Assessment
How Minnesota performs for each investment strategy
DSCR Rental
ChallengingMinnesota's 2.8% cap rate suggests an appreciation-focused market. Consider value-add strategies to improve cash flow.
- Up to 85% LTV
- No income verification
- 5-30 year terms
Fix & Flip
Strong MatchLow vacancy (9.4%) indicates strong absorption — flipped properties sell quickly in Minnesota.
- Up to 90% of purchase + rehab
- 6-18 month terms
- Draw schedule for rehab
Bridge / Value-Add
Strong MatchBridge financing works in any market condition. Use it for acquisitions, refinances, or transitional properties in Minnesota while you stabilize or reposition.
- Up to 80% LTV
- 12-24 month terms
- Interest-only payments
Top Counties in Minnesota
87 counties by population
Hennepin County
Ramsey County
Dakota County
Anoka County
Washington County
St. Louis County
Olmsted County
Stearns County
Top Cities in Minnesota
914 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| MinneapolisHennepin County | 427K | $327,043 | 3.9% | View → |
| St. Paul | 308K | $280,300 | 3.4% | View → |
| RochesterOlmsted County | 122K | $334,408 | 3.8% | View → |
| BloomingtonHennepin County | 89K | $356,047 | 3.5% | View → |
| DuluthSaint Louis County | 87K | $280,660 | 4.9% | View → |
| Brooklyn ParkHennepin County | 84K | $343,447 | 3.9% | View → |
| PlymouthHennepin County | 80K | $497,516 | 3.0% | View → |
| WoodburyWashington County | 77K | $453,238 | 3.6% | View → |
| LakevilleDakota County | 72K | $479,397 | 3.3% | View → |
| BlaineAnoka County | 71K | $374,642 | 4.0% | View → |
| Maple GroveHennepin County | 71K | $419,176 | 3.9% | View → |
| St. Cloud | 70K | $212,800 | 3.7% | View → |
| EaganDakota County | 68K | $392,817 | 3.2% | View → |
| BurnsvilleDakota County | 64K | $361,035 | 3.2% | View → |
| Coon RapidsAnoka County | 63K | $324,135 | 3.8% | View → |
Top Neighborhoods in Minnesota
290 neighborhoods
Minnesota Investment Report
Comprehensive state market analysis
Get the Complete Minnesota Market Analysis
Make data-driven investment decisions with our comprehensive state report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Counties in Minnesota for DSCR Investment
Our data team analyzed every countie in Minnesota to find the best opportunities for cash-flowing DSCR investments.
Top 10 Counties
Minnesota | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Minnesota deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on Minnesota opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000