DSCR Loans in Crow Wing County, Minnesota
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 52 lenders made 105 investment-property loans in Crow Wing County, 1.8% of Minnesota's total. Dominick Prevete arranges DSCR loans across Crow Wing County, Minnesota, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $215,000.
Crow Wing County investor market at a glance
| Statistic | Crow Wing County | Minnesota | County rank |
|---|---|---|---|
| Investor loans | 105 | 5,990 | 12th of 13 |
| Reporting lenders | 52 | 406 | 11th of 13 |
| Loan volume | $30.3M | $1.51B | 10th of 13 |
| Average loan | $288K | $251K | 4th of 13 |
| Median loan | $235K | $215K | 7th of 13 |
| Purchases | 74.3% | 69.5% | 4th of 13 |
| Cash-out refinances | 5.7% | 9.0% | 11th of 13 |
| 2–4 unit properties | 19.0% | 17.8% | 7th of 13 |
| Top five lenders' share | 38.1% | 14.8% | 4th of 13 |
| Reported business-purpose | 45.7% | 50.7% | 9th of 13 |
Crow Wing County: closed-end loans on 1–4 unit investment properties. Crow Wing County's rank is highest first, among Minnesota's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Crow Wing County's investor loans.
What stands out in Crow Wing County
5.7% of Crow Wing County's investor loans were cash-out refinances, the 3rd-lowest share of Minnesota's 13 counties with published data (statewide: 9.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Crow Wing County's 105 investor loans ranked 12th of Minnesota's 13 counties with published data.
Does a DSCR loan pencil in Crow Wing County?
At HUD's fair market rent of $1,407 for a 3-bedroom in Crow Wing County, Minnesota, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Crow Wing County's median home value is $306,800; at that price the payment is $1,992 a month, so the property would need $2,000 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,172 / $1,407 / $1,609 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $306,800 |
| Median property taxes and effective rate | $2,283 (0.74% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,992 |
| Rent needed to cover that payment | $2,000 |
| Coverage of a 3-bedroom at fair market rent | 0.71 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $360,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Crow Wing County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Crow Wing County?
The most active investment-property lenders in Crow Wing County in 2025 HMDA data were American National Bank of Minnesota, National Bank of Commerce and First Western Bank & Trust, out of 52 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Crow Wing County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 105 loans and $30.3M from 52 lenders. American National Bank of Minnesota led Crow Wing County with 15 loans, 14.3% of the county's total, and the average Crow Wing County loan of $288K compares with $251K across Minnesota.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| American National Bank of Minnesota | 15 | $3.5M | $231K | 86.7% |
| National Bank of Commerce | 9 | $1.7M | $192K | 77.8% |
| First Western Bank & Trust | 8 | $1.0M | $121K | 50.0% |
| Deerwood Bank | 5 | $1.3M | $255K | 80.0% |
| Tradition Mortgage, LLC | 3 | $1.4M | $468K | 100.0% |
| Luminate Bank | 3 | $1.3M | $418K | 33.3% |
| Granite Bank | 3 | $1.2M | $412K | 100.0% |
| Frandsen Bank & Trust | 3 | $0.9M | $308K | 33.3% |
| Farmers and Merchants State Bank of Pierz | 3 | $0.6M | $212K | 100.0% |
| Wells Fargo Bank, National Association | 2 | $1.4M | $700K | 0.0% |
| Rocket Mortgage, LLC | 2 | $1.3M | $655K | 50.0% |
| United Wholesale Mortgage | 2 | $1.1M | $555K | 100.0% |
| First International Bank & Trust | 2 | $0.6M | $290K | 50.0% |
| Wings Financial Credit Union | 2 | $0.5M | $270K | 100.0% |
| Unity Bank | 2 | $0.5M | $230K | 50.0% |
| Neighborhood National Bank | 2 | $0.5M | $225K | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | $0.4M | $220K | 50.0% |
| U.S. Bank National Association | 2 | $0.3M | $175K | 0.0% |
| COMPEER FINANCIAL, FLCA | 2 | $0.1M | $65K | 100.0% |
| City National Bank | 1 | $0.9M | $865K | 100.0% |
| EVERETT FINANCIAL, INC. | 1 | $0.8M | $805K | 100.0% |
| INTERCAP LENDING INC. | 1 | $0.7M | $725K | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | $0.5M | $535K | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | $0.5M | $495K | 100.0% |
| Tradition Capital Bank | 1 | $0.5M | $455K | 100.0% |
40 Minnesota loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Crow Wing County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Crow Wing County CSV, all 25 lenders
What Crow Wing County's table can't show you: fit. Short-term financing is exempt from HMDA, so Crow Wing County's fix-and-flip and bridge lenders barely appear among its 52 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Crow Wing County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Crow Wing County |
|---|---|---|---|
| Stearns County, MN | 156 | 57 | About 70 miles away |
| Wright County, MN | 103 | 57 | About 90 miles away |
| Anoka County, MN | 306 | 104 | About 95 miles away |
| St. Louis County, MN | 283 | 78 | About 105 miles away |
| Clay County, MN | 126 | 39 | About 120 miles away |
| Cass County, ND | 319 | 53 | About 155 miles away |
| Grand Forks County, ND | 113 | 26 | About 185 miles away |
Run the coverage test on your Crow Wing County, Minnesota deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Crow Wing County, Minnesota property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Crow Wing County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 105 loans: 2025 HMDA loan-level data rolled up to Crow Wing County.
- Crow Wing County investor-lender dataset (CSV) — All 25 lenders in the Crow Wing County, Minnesota table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Crow Wing County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Crow Wing County, MN.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Crow Wing County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.