DSCR Loans in Minnesota
Rental loans that qualify on property cash flow—long-term, short-term, co-living, and portfolios.
DSCR & rental loansMinneapolis · St. Paul · Greater Minnesota
Hard Money & Private Money Loans in Minnesota
Business-purpose hard money and private money loans for Minnesota real estate investors—DSCR rentals, fix and flips, ground-up construction, transactional funding, and bridge loans—arranged through our national lender network by a Minneapolis-based broker.
Local Knowledge, National Capital
A Minneapolis Broker for Minnesota Investors
Cornerstone Capital is based in Minneapolis. Founder Rebecca spent twenty years as a real estate agent in the Twin Cities before building a brokerage dedicated to investment property financing.
That combination matters. Local experience helps us understand Minnesota properties, neighborhoods, and resale realities. A national network of institutional and private lenders means your deal isn’t limited to one lender’s appetite. We match each Minnesota deal to the lenders whose programs genuinely fit it—and tell you plainly when something needs to change first.
Cornerstone Capital is a broker, not a lender. We don’t fund loans or make credit decisions; every loan is subject to the lender’s underwriting and approval. On brokered loans we charge no upfront broker fees and are paid only at closing. Transactional funding has separate fees disclosed in writing.
Where we work in Minnesota
- Minneapolis, St. Paul, and the Twin Cities metro
- Inner-ring and outer suburbs
- Rochester, Duluth, St. Cloud, and regional centers
- Lake country and short-term rental markets
- Rural Minnesota, case by case
Coverage depends on each lender’s footprint and property type.
Looking for a private money lender in Minneapolis?
Cornerstone Capital connects Minneapolis and Minnesota real estate investors with private money and hard money lenders whose programs fit the deal: DSCR rentals, fix and flips, ground-up construction, transactional funding, and bridge loans. We’re a broker, not a lender, so one conversation can put your deal in front of multiple capital sources. For brokered loans there are no upfront broker fees; we’re paid only at closing. Transactional funding has separate fees disclosed before you commit. See also our private money broker in Minneapolis page.
Definitions
Hard Money vs. Private Money: What’s the Difference?
The terms overlap. “Hard money” usually describes short-term, asset-based loans—fix and flip, bridge, and construction—where the property and the plan carry most of the weight. “Private money” is broader and includes non-bank lenders and private capital offering both short-term and long-term investment property loans, such as DSCR rental loans. Both are business-purpose loans for investors, not owner-occupied mortgages.
Minnesota Loan Programs
Fix and Flip Loans in Minnesota
Purchase-plus-rehab hard money loans for Twin Cities and statewide flips, including BRRRR projects headed for a DSCR refinance.
Fix & flip loansConstruction Loans for Investors
Spec, infill, and build-to-rent projects, with budgets and schedules that account for Minnesota winters and local permitting.
Ground-up constructionEMD & Double Close Funding
Transactional funding for Minnesota wholesalers and investors, including Stack funding held in title or escrow.
Transactional fundingHard Money Bridge Loans
Short-term capital for acquisitions, repositioning, and maturing loans.
Bridge loansCommercial & Multifamily
Apartments, mixed-use, and commercial investment property through our lender partners.
Commercial & multifamilyWe also arrange mobile home park and RV park loans.
Minnesota Considerations
What Lenders Ask About Minnesota Deals
- Older housing stock. Much of the Twin Cities’ housing is decades old; rehab budgets and inspections should reflect it.
- Short-term rentals. Lenders look closely at booking history, seasonality, and insurance.
- Seasonality. Winter can affect exterior work, construction schedules, and draw timing.
General information only, not legal or tax advice.
How It Works
Straight Answers, Then the Right Lender
- Share the scenario through our intake form or by phone.
- Straight-talk review. We screen for deal-breakers—credit, leverage, property type, existing debt—and pressure-test ARV and rent.
- Lender match. We present options from lenders whose programs fit, and explain how each lender operates.
- Through to closing. We stay engaged through underwriting, appraisal, and title.
FAQ
Minnesota Hard Money & Private Money Questions
Are you a hard money lender in Minneapolis?
No—Cornerstone Capital is a Minneapolis-based broker. We arrange hard money and private money loans through a national network of institutional and private lenders. Lenders make all credit decisions.
Do you work with private money lenders in Minnesota?
Our network includes institutional and private lenders that lend in Minnesota and nationwide. Lender identities are kept confidential in our marketing; you’ll receive the lender’s own disclosures and documents when you move forward.
Can I get a hard money loan for a home I’ll live in?
No. We arrange business-purpose loans on non-owner-occupied investment property only.
Do you only work in the Twin Cities?
No. We’re based in Minneapolis and work with investors throughout Minnesota and nationwide, subject to each lender’s footprint.
How fast can a hard money loan close in Minnesota?
It depends on the lender, the appraisal, title, and how quickly documents come together. We’ll give you an honest read on your deal, but we won’t promise a date we don’t control.
Do you charge upfront fees?
No. On brokered loans like this one, Cornerstone Capital charges no upfront broker fees and is paid only at closing. Transactional funding has separate fees disclosed in writing. Lender and third-party costs are separate.
Bring Us Your Minnesota Deal
Rental, flip, build, or closing on a deadline—share the basics and we’ll give you a straight assessment.