Minnesota Land Note Buying & Vacant Land Acquisition Loans
Damen Capital specializes in purchasing seller financed land notes and providing vacant land acquisition loans throughout Minnesota. Serving land investors in Minneapolis, St. Paul, Duluth, Rochester, Brainerd Lakes, Bemidji, and all 87 counties.
Why Minnesota Land Investors Choose Damen Capital
Minnesota offers outstanding land investment opportunities from pristine lakefront properties on 10,000+ lakes to North Shore scenic properties along Lake Superior to hunting land in the Big Woods region. We understand the Minnesota land market and provide fast, flexible financing solutions for investors across the North Star State.​
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✓ Fast Closings - Close in 7 days and beat other buyers ✓ Statewide Coverage - All 87 Minnesota counties
✓ No Broker Delays - Direct funding from our account ✓ 150+ Land Notes Purchased - Proven track record
✓ Competitive Rates - 13-15% on acquisition loans, 80% on note purchases
✓ Up to 100% Financing - Cross-collateralization available
✓ Minnesota Market Knowledge - Understanding of seasonal markets and property types
Sell Your Minnesota Land Note for Immediate Cash
Have a seller financed land deal in Minnesota? We buy land notes and land contracts throughout the state for 80% or more of the current balance. Close in 7 days and turn your note into immediate cash.​
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How It Works in Minnesota:
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1. You sell land with owner financing to a buyer
2. We purchase the note for 80% of balance (or more) at closing
3. You keep 100% of down payment + 80%+ of note
4. We handle all servicing and collections
5. Close in 7 days with a Minnesota title company
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Minnesota Counties We Serve:
Twin Cities Metro: Hennepin • Ramsey • Dakota • Anoka • Washington • Carver • Scott • Wright • Sherburne
Central Minnesota: Stearns • Benton • Morrison • Mille Lacs • Kanabec • Isanti • Chisago
Brainerd Lakes Area: Crow Wing • Cass • Aitkin • Todd
North Shore/Arrowhead: Lake • Cook • St. Louis • Carlton • Pine Northwest: Beltrami • Clearwater • Hubbard • Itasca • Koochiching
West Central: Douglas • Otter Tail • Wadena • Becker • Clay
Southwest: Lyon • Lincoln • Pipestone • Rock • Murray • Nobles • Jackson Southeast: Olmsted • Wabasha • Winona • Goodhue • Rice • Fillmore • Houston
And all other Minnesota counties
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Common Minnesota Land Types We Buy Notes On:
- Lakefront properties on Minnesota's 10,000+ lakes
- Brainerd Lakes area recreational land
- North Shore properties along Lake Superior
- Boundary Waters area wilderness parcels
- Hunting land throughout the state
- Agricultural land in southern Minnesota
- River frontage on Mississippi, St. Croix, Minnesota Rivers
- Cabin sites and vacation properties
- Wooded parcels in northern Minnesota
- Suburban residential lots in Twin Cities metro
- Lake of the Woods fishing properties
Fast Vacant Land Financing Throughout Minnesota
Purchase vacant land in Minnesota with our SimpleLand acquisition loan program. Get approved in 48 hours and close in 7 days with up to 100% financing available through cross-collateralization.
Minnesota Land Loan Features:
- Loan Amounts: $25,000 to $1,000,000
- Interest Rates: 13% (loans $100K+) or 15% (loans under $100K)
- Terms: 2 years, interest-only, extendable
- Down Payment: 20% standard (0% with cross-collateral)
- Closing Timeline: 7 days
- Total Closing Costs: $600
- Exit Fee: 3%
- Property Types: Residential vacant land, rural acreage, recreational property, lakefront
Perfect For Minnesota Land Investors:
✓ Flipping lakefront lots in Brainerd Lakes area
✓ Buying North Shore scenic properties
✓ Acquiring Minnesota hunting land parcels
✓ Building land inventory for spring/summer market
✓ Investing in cabin site properties
✓ Purchasing recreational land "up north"
✓ Subdividing larger rural acreage
✓ Buying agricultural land for conversion
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Minnesota Land Loans
We provide fast financing for investors purchasing vacant land in all counties in Minnesota.
Minnesota Note Buying
We purchase land notes throughout the state of Minnesota within 7 days, hassle free.
Minnesota Consulting
Learn how to market properties to attract 2-3x more buyers and sell at full asking price.
Serving Key Minnesota Land Markets
Twin Cities Metro (Hennepin, Ramsey, Dakota, Anoka, Washington, Carver, Scott Counties) Minneapolis-St. Paul metro experiencing continuous growth with strong demand for suburban building lots. Communities like Prior Lake, Stillwater, Chaska, and East Bethel offer steady appreciation. Active market for land flippers serving metro expansion into surrounding counties. Brainerd Lakes Area (Crow Wing, Cass, Aitkin Counties) Minnesota's premier recreational destination with 400+ lakes. Extremely high demand for lakefront properties near Brainerd, Nisswa, Crosslake, and Pequot Lakes. Strong market for cabin sites, lakefront lots, and recreational parcels. Twin Cities buyers seeking weekend retreats and retirement properties create year-round demand. North Shore (Lake, Cook, St. Louis Counties) Scenic properties along Lake Superior's western shore. Premium market for properties with lake views, river access, and forested parcels near Duluth, Two Harbors, Grand Marais, and Lutsen. Tourism-driven market with strong demand for vacation rentals and second homes. Boundary Waters/Ely Area (St. Louis, Lake, Cook Counties) Gateway to Boundary Waters Canoe Area Wilderness. High demand for lakefront properties and wilderness parcels near Ely, Babbitt, and Tower. Pristine lakes and forests attract buyers seeking remote recreational land. Central Minnesota Lakes (Stearns, Douglas, Otter Tail Counties) Alexandria Lakes area and surrounding counties offer abundant lake properties at lower price points than Brainerd. Properties on Lake Minnewaska, Lake Osakis, and Otter Tail Lake see steady demand. Growing market for vacation homes and retirement properties. Northwest Angle/Lake of the Woods (Lake of the Woods, Beltrami, Koochiching Counties) Premium fishing destination with properties on Lake of the Woods, Rainy Lake, and surrounding area. Unique market for remote cabin sites and fishing properties. Seasonal access common but strong buyer demand from fishing enthusiasts. Southeast Minnesota (Olmsted, Wabasha, Winona, Goodhue Counties) Rochester metro area growth driving suburban development. Bluff country properties along Mississippi River highly desirable. Mix of residential development land and recreational acreage with unique topography. St. Croix Valley (Washington, Chisago, Pine Counties) Properties along St. Croix National Scenic Riverway command premium prices. Stillwater, Taylors Falls, and surrounding areas popular for both residential development and vacation properties. Easy access from Twin Cities creates strong buyer market. Lake Mille Lacs Area (Mille Lacs, Aitkin, Crow Wing Counties) Major fishing destination with properties on Lake Mille Lacs and surrounding lakes. Strong market for fishing cabins, lakefront lots, and recreational land. Year-round access and ice fishing opportunities create consistent demand.
Minnesota Land Investment Opportunities
Market Characteristics:
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Average land prices: $2,500-$35,000/acre (varies dramatically by location and water access)
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Lakefront premium: Properties on water sell for 5-20x more than landlocked parcels
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Seasonal market: Peak buying season is March-September; significantly slower October-February
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Strong seller financing market: "Up north" recreational buyers prefer owner financing -
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Properties with seller financing sell 2-3x faster in Minnesota
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"Up north" properties (generally north of I-94) have extremely loyal buyer base from Twin Cities
Minnesota-Specific Considerations:
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Property taxes: Vary significantly by county; northern counties typically lower than metro areas
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Lake classification: DNR lake classifications affect desirability and pricing -
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Lakeshore regulations: Shoreland management rules restrict development on many lakes
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Waterfront rights: Understand riparian rights and public water access
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Zoning: Northern counties often have minimal zoning; metro counties more restrictive
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Septic systems: County regulations strict; sandy soils better for septic than clay
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Access: Year-round maintained road access critical; seasonal access reduces value 30-50%
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Seasonal factors: Ice-out timing affects spring market; list early for summer peak
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Fishing lakes: Walleye, muskie, and bass fisheries drive premium pricing
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Hunting properties: Strong deer hunting culture creates steady demand
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Snowmobile/ATV trails: Trail access significantly increases recreational property values
Best Property Types for Minnesota Land Investors:
​1. Brainerd Lakes area lakefront (highest demand, most liquid market)
2. North Shore Lake Superior view properties (premium pricing, unique market)
3. Recreational land 5-40 acres with lake access (cabin sites, strong year-round demand)
4. Hunting properties in Big Woods region (consistent buyer interest)
5. Twin Cities metro suburban lots (steady development demand)
6. Boundary Waters area wilderness parcels (niche market, loyal buyers)
7. River frontage properties (Mississippi, St. Croix, Minnesota Rivers)
8. Agricultural land in southern Minnesota (transitioning to development)
Minnesota Land Financing Trends:
- Recreational buyers typically prefer 20-30% down with 8-10 year terms
- Twin Cities represents majority of buyers for "up north" properties
- Winter purchases offer best pricing leverage but very limited activity
- Ice-out (late April/early May) triggers intense market activity - List lakefront properties in March-April for peak May-August demand
- Hunting land sells year-round but peaks September-November
- Cabin properties marketed as "summer getaway" or "ice fishing headquarters" depending on season
- Properties within 2 hours of Twin Cities sell fastest
- DNR public access nearby is major selling point
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