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Fix & Flip · Minnesota

Fix & flip loans in Minnesota — fund the deal, keep your cash.

Mortava fix & flip loans in Minnesota: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Minnesota is stable Twin Cities multifamily with reliable, well-employed tenants. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Minneapolis, Saint Paul, Rochester and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Minnesota project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Minnesota projects with Mortava

In a market like Minnesota, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Minneapolis, Saint Paul, Rochester deals and recycle capital into the next project faster.

Twin Cities multifamily rents to one of the most stably employed tenant bases in the Midwest. Minnesota is less about yield spikes and more about occupancy you can set a watch to.

Top metros we fund
Minneapolis, Saint Paul, Rochester
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+
Guidelines reviewed July 2026 by the Mortava lending team.

Minnesota fix & flip loan FAQ

Can I get a fix and flip loan in Minnesota?
Yes. Mortava funds fix & flip projects across Minnesota, including Minneapolis, Saint Paul, Rochester. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Minnesota flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Minnesota.
Do you fund first-time flippers in Minnesota?
Yes — first-time flippers are welcome in Minnesota with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Minneapolis and Saint Paul?
Yes — Minneapolis, Saint Paul, Rochester and every other Minnesota market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Minnesota property instead of selling it?
Yes. Many Minnesota investors renovate with a Mortava flip loan in markets like Minneapolis, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in KentuckyFlip in LouisianaFlip in MaineFlip in MarylandFlip in MassachusettsFlip in MichiganFlip in MississippiFlip in MissouriFlip in MontanaFlip in NebraskaFlip in NevadaFlip in New Hampshire
All Fix & Flip programs → DSCR loans in Minnesota → Instant quote & pre-qualify →
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