Minnesota DSCR Loan Calculator
Screen a Minnesota rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Minnesota; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Minnesota DSCR assumptions
The calculator seeds Minnesota with a starting property value of $305,000.00, starting rent of $1,300.00, annual property tax based on a 1% effective rate, and estimated annual insurance of $2,889.00.
STR note: Minneapolis limits STRs. St. Paul has STR regulations. Duluth and lake resort towns have varying ordinances. Twin Cities STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Twin Cities Metro (Hennepin, Ramsey, Dakota, Washington, Anoka counties — but note rent control in Minneapolis/St. Paul). Outer ring suburbs (Burnsville, Plymouth, Maple Grove — no rent control, strong demand). Duluth/St. Louis County (affordable, medical/education anchor, growing). Rochester/Olmsted County (Mayo Clinic anchor, stable hybrid market). St. Cloud/Stearns County (affordable cash flow).
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