Save My DSCR Loan
Minot, ND DSCR LoansAppreciation Market

DSCR Loans in Minot, ND

Finance investment properties in Minot with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $1,000/mo with +3.5% annual growth.

Get Pre-QualifiedCall Now
$1,000/mo
Median Rent
$240K
Median Home Price
+3.5%
Rent Growth (YoY)
50K
Metro Population

Market data updated 2026-01-30

Minot Market Snapshot

Why Invest in Minot?

  • Minot Air Force Base is the primary economic driver with military rental demand
  • Energy sector presence in the Bakken region supports employment
  • Affordable market with strong demand relative to housing supply

Key Economic Drivers

Military (Minot AFB)EnergyHealthcareAgriculture
Median Rent
$1,000/mo
Rent Growth
+3.5%

Property Types We Finance

Single Family2-4 UnitsMulti-Family

Popular Investment Areas

North HillSoutheastSouth MinotBurlington

Metro Population

50K

Minot metro area — a strong tenant pool for rental property investors.

DSCR Analysis

Hypothetical DSCR Illustration for Minot, ND

An illustration built from Minot's market data, with no interest rate assumed. Taxes and insurance use local averages; principal and interest come from your own quote, so the figures below show how much of the median rent is left for that payment at common DSCR targets.

Loan Structure

Purchase Price (local median)$240,000
Down Payment20% of the price
Loan Amount80% of the price
Interest RateSet by your quote

Monthly Costs (PITIA)

Principal & InterestFrom your quoted rate
Property Tax (0.98% rate)$196
Insurance$158
Total PITIAP&I + taxes + insurance

What the Median Rent Has to Cover

Hypothetical illustration. DSCR = rent ÷ PITIA; no rate assumed.

Median Monthly Rent$1,000
Taxes + insurance35% of rent
Left for P&I + HOA at a 1.0 DSCR65% of rent
Left for P&I + HOA at a 1.25 DSCR45% of rent
Test the payment from your quote in the DSCR calculator

Hypothetical illustration, no interest rate assumed. At Minot's median rent of $1,000/month, local property taxes (0.98% of the $240,000 median price) and insurance (about $1,900 a year) use roughly 35% of the rent. To reach a 1.0 DSCR, principal, interest and any HOA dues would have to fit within the remaining 65% of rent; a 1.25 DSCR leaves about 45%. Your actual ratio depends on the payment in your own quote, which you can test in our DSCR calculator.

Estimated Cap Rate
2.9%
Minot's estimated cap rate is 2.90%, indicating a premium market where investors rely primarily on appreciation.
Market Comparison

Minot vs. North Dakota Average

How Minot's rental market compares to the North Dakota statewide average.

Median Rent
$1,000/mo
↓ 9.1% below state avg
Median Home Price
$240K
↑ 4.3% above state avg

Minot's median rent of $1,000/month is 9.1% below the North Dakota state average of $1,100/month. Home prices at $240,000 are 4.3% above the state average of $230,000.

Investment Strategy

Minot Investment Strategy: Appreciation

Minot is primarily an appreciation market where property values have historically outpaced the North Dakota average. While the rent-to-price ratio requires careful underwriting, long-term equity growth and rent increases create strong total returns. DSCR loan investors should plan for a longer hold period to maximize appreciation gains.

Tax + Ins. / Rent
35%
Cap Rate
2.9%
Vacancy Rate
6.9%
Tax Rate
0.98%
FAQ

DSCR Loan Questions for Minot

What is the minimum DSCR ratio for a loan in Minot?
There is no single DSCR minimum for Minot investment properties: each investor program sets its own floor, and a 1.0 means the qualifying rent equals the full PITIA payment. Some programs set their floor above 1.0, and select programs consider ratios below it with compensating factors. Your loan officer confirms which programs fit the ratio your property produces.
What's the minimum down payment for DSCR loans in Minot?
The minimum is the program's maximum loan-to-value for your file. Select programs go down to 15% for stronger credit and DSCR profiles, while lower scores, sub-1.0 ratios and harder property types call for more. The Minot market itself does not set the minimum; the program and your scenario do.
Where should I buy an investment property in Minot, ND?
Top investment neighborhoods in Minot include North Hill, Southeast, South Minot. Each area offers a different investor profile ranging from cash flow to appreciation, so aligning your strategy with the right neighborhood is essential for maximizing DSCR loan performance.
Is Minot a good market for DSCR-financed vacation rentals?
Minot can support short-term rentals in some areas, though it is primarily a appreciation market. Whether a specific property works depends on local rules, seasonality and how the program counts the income, so check all three before you buy.
How do property taxes impact investment returns in Minot?
At Minot's median price and rent, property taxes use roughly 20% of the rent before insurance, principal and interest. Every point of rent that goes to taxes is a point that can't go to the payment or to cash flow, so compare tax bills across the neighborhoods you are considering.
What's the typical cash-on-cash return for Minot rentals?
There is no typical figure we can quote for Minot, because cash-on-cash return depends on your price, down payment, the rate on your own quote, and your repair, management and vacancy costs. Work it out per property: annual cash flow after the full payment and operating costs, divided by the cash you put in. +3.5% annual rent growth can improve it over time if it continues.
What drives appreciation in Minot?
Minot's values are supported by Military (Minot AFB) and Energy employment and minot air force base is the primary economic driver with military rental demand. Past performance doesn't guarantee future appreciation, so DSCR investors here should look at total return (appreciation plus income) and make sure the rent still meets the program's DSCR minimum.

Licensing for North Dakota

Cornerstone First Mortgage, LLC (NMLS #173855) — North Dakota Money Broker License, No. MB103759.

Check any license on NMLS Consumer Access, or see every state on our state license list. DSCR loans are business-purpose loans for investment property only.

Ready to Finance Your Minot Investment?

Get pre-qualified in 60 seconds. We'll show you what you can borrow on a Minot rental and walk you through the pricing for your scenario.

Get Pre-Qualified NowCalculate Your DSCR

More North Dakota Investment Markets

Fargo, NDBismarck, NDGrand Forks, NDWilliston, ND
View all North Dakota DSCR loan info
Get Pre-Qualified