Hard Money Lending Solutions in Minnesota
Minnesota
Minnesota, the 32nd state admitted to the union, ranks as the 12th largest by landmass and 22nd in population. St. Paul is the state capital. It is bordered by the Canadian provinces of Manitoba and Ontario to the north, Lake Superior and the state of Wisconsin to the east, Iowa and South Dakota to the south, and North Dakota to the west.
As a trusted hard money lender in Minnesota, we offer fast and flexible financing solutions tailored to your investment needs, helping you capitalize on real estate opportunities throughout the state.
Quick Stats:
Lending in Minnesota
Onyx Capital Lending is fully licensed and actively funding business-purpose hard money loans across Minnesota. We provide fix & flip, DSCR, bridge, multifamily, and new construction financing designed for real estate investors who need speed and certainty. Closings can happen in as few as 14 days when the valuation and title are clean. Minnesota’s steady rental demand in the Twin Cities and strong job base make it a durable market for long-term hold and value-add strategies.
Sample Deal
Minneapolis, MN - SFR Fix & Flip: An investor needed to beat a competing cash offer on a distressed 3-bed/2-bath property in South Minneapolis and close quickly. Onyx Capital Lending funded a $485,000 acquisition + rehab loan at 70% LTV in 12 business days. The borrower qualified using the deal and experience - no tax returns and no income verification required. Fast funding helped the investor secure the property, complete a light value-add renovation, and list within 90 days.
Minnesota FAQs
Is Minnesota a judicial or non-judicial foreclosure state?
Minnesota is primarily a judicial foreclosure state, meaning the lender typically forecloses through the courts. Timelines vary by county and case complexity, but investors should plan for a process that can take several months from start to redemption and sheriff’s sale. Title and redemption details matter, so confirm timelines during underwriting.
What Minnesota markets are most active for investors right now?
The Minneapolis-St. Paul metro is the most consistent for both fix & flip and DSCR rental strategies due to job density and renter demand. Secondary markets like Rochester, Duluth, and St. Cloud can offer better entry points with strong local fundamentals, depending on neighborhood-level supply. We underwrite to the asset and the exit strategy, not just the ZIP code.
How landlord-friendly is Minnesota for rental investing?
Minnesota has state and local rules that investors should follow closely, especially around notices, leases, and habitability requirements. The eviction process is handled through the courts and can move quickly when filings and documentation are clean, but timelines vary by jurisdiction. For DSCR deals, we look for stable rents and clear property management plans.
- Population: 5.7 million
- Median household income: $74,593
- Population density: 27.44 people/square mile
- Median home sale price: $315,000
- Median price to rent: $1,635
All our finance programs support the following investment options. For a complete list, please visit our loan program page:
Money Lender
Broker & Referral Partners
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22 Parsonage St, Providence, RI 02903, USA
Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states, including Minnesota. We specialize in hard money lending in Minnesota to help investors secure quick, flexible financing for their real estate projects. Not available in all states.