DSCR Financing in ND

DSCR Loans in North Dakota

Oil-sector workforce housing, military base rentals, and Fargo's steady university-driven demand. A small, yield-focused DSCR market.

Local Market Context

Investor Markets in North Dakota

Fargo

The state's largest metro and primary investor market with university and healthcare tenant demand.

Bismarck

State capital with government-employee rentals and steady demand from the energy sector.

Grand Forks

University of North Dakota and Grand Forks Air Force Base drive stable rental occupancy.

Minot

Minot Air Force Base military housing and Bakken oil field workforce rentals.

Common Properties

What Investors Finance in North Dakota

✓Fargo SFR and small multifamily rentals
✓Grand Forks university and military housing
✓Minot Air Force Base tenant rentals
✓Bismarck government-employee workforce housing
✓Williston oil-sector workforce rentals

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in North Dakota

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Not Available in This State

Program 7 is not available on properties in North Dakota. Other Get Brick Capital programs may still be available in this state.

Program 3 cash-out in North Dakota is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

North Dakota DSCR FAQ

Does Get Brick Capital offer DSCR loans in North Dakota?

Yes. North Dakota is one of the 50 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in North Dakota?

No. Program 7 is not available on properties in North Dakota, although other Get Brick Capital programs may still be available.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your North Dakota DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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