We purchase seller-financed land notes and provide vacant land acquisition loans throughout Minnesota. Serving Minneapolis, St. Paul, Duluth, Rochester, Brainerd Lakes, Bemidji and all 87 counties.
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.
Close fast and beat other buyers
Statewide Minnesota coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Minnesota? We buy land notes throughout the state for 80-90% of the current balance. Close in 7 days and turn your note into immediate cash.
Purchase vacant land in Minnesota with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in 7 days.
Minneapolis-St. Paul metro with continuous growth and strong demand for suburban building lots. Communities like Prior Lake, Stillwater, and Chaska offer steady appreciation.
Minnesota's premier recreational destination with 400+ lakes. Extremely high demand for lakefront properties near Brainerd, Nisswa, and Crosslake.
Scenic properties along Lake Superior's western shore. Premium market for properties with lake views near Duluth, Two Harbors, and Grand Marais.
Gateway to Boundary Waters Canoe Area Wilderness. High demand for lakefront properties and wilderness parcels near Ely.
Alexandria Lakes area with abundant lake properties at lower price points than Brainerd. Growing market for vacation and retirement properties.
Rochester metro growth driving suburban development. Bluff country properties along Mississippi River highly desirable.
Properties along St. Croix National Scenic Riverway command premium prices. Easy access from Twin Cities creates strong buyer market.
Minnesota land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades in the state: lake country recreational land around Brainerd in Crow Wing, Cass, and Aitkin Counties and around Alexandria in Douglas and Otter Tail, hunting land and wooded acreage up north, St. Croix Valley parcels in Chisago and Pine, and bluff country in Winona, Wabasha, and Goodhue. Financing acreage in Minnesota works the same way whether it is a lakeshore lot, hunting land, or wooded acreage: the loan is sized to the land, not to your income, and lakeshore lot financing follows the same terms as long as the parcel is 2 acres or more.
We’ve closed 9 land loans across 8 Minnesota counties. See every one on our Where We Lend map.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value, capped at 80% of the purchase price. Rates are 14% interest only on loans of $100,000 and up and 16% under $100,000, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in as little as 7 days through a Minnesota title company.
The parcel has to be at least 2 acres with deeded or recorded easement access. Lake lots bring extra homework. Minnesota's shoreland rules, enforced through each county's ordinance, set minimum lot sizes and setbacks on lakes, so check a lakeshore lot against the county ordinance before you price it. Wetlands are common, especially up north, and are protected under the Wetland Conservation Act, so a 40 acre parcel can have far less usable ground than the acreage suggests. Some northern parcels sit on seasonal or minimum maintenance roads, and buyers will ask about year round access.
A borrower bought a 35 acre Minnesota recreational parcel for $168,000, brought 20% down ($33,600), and we funded $134,400 at 14% interest only, about $1,568 a month. The loan closed in 7 days with no appraisal. The borrower marketed the parcel to hunting clubs and sold it to a regional hunting club 14 months later, paying us off at that closing. Total cost of capital, including interest, the $600 closing fee, servicing, and the 2% exit fee, was $25,590. See the full Minnesota case study.
Yes, we finance Minnesota hunting land bought to resell, split, lease, or sell on terms, but not land you buy to hunt on yourself.
A hunting land loan in Minnesota from us is the same loan as any other parcel: $30,000 to $1,000,000, up to 65% of value and 80% of the price, so about 20% down on a good buy, or 0% with cross collateral. No appraisal, close in as little as 7 days. The borrower is an LLC or corporation with a plan to sell.
If you want a hunting camp for you and your family, that is a personal loan and we cannot make it. A local bank or a Farm Credit lender is the right call for that.
Our Minnesota case study was a hunting deal. A borrower bought 35 acres for $168,000, we lent $134,400, and the tract sold to a regional hunting club 14 months later. Full numbers in the Minnesota land loan case study, and more on how we lend in hunting land loans.
We finance lakeshore and lake lots of 2 acres or more bought as an investment, on the same terms as any Minnesota land loan.
Lake lots are where buyers make the most expensive mistakes. Three things to know before you ask any lender for lakeshore lot financing:
The exit is where we help most. Sell the lot for cash and pay us off, or sell it on owner financing and we can buy the note at closing for 80 to 90% of the balance, so you get your cash the same day. To see your cash to close, read how much down payment you need for land.
Looking to buy Minnesota land with owner financing? Many sellers across the state offer seller-financed terms on vacant land — from lake country recreational land to Twin Cities suburban lots to southern agricultural parcels. Owner financed land gives buyers flexible terms and faster closings without bank approval.
If you're a land investor selling owner financed land in Minnesota, we can buy your promissory note at closing — turning your seller-financed deal into immediate cash. Or if you're looking to buy Minnesota land, our acquisition loans close in 7 days with no appraisal required.
Yes. Damen Capital provides private land loans throughout Minnesota. Loans from $30K to $1M, interest-only, 7-day closings, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in Minnesota at 80-90% of the current balance. No seasoning required.
Usually 20% of the purchase price when you buy below value. We lend up to 65% of value, capped at 80% of the price, on loans from $30,000 to $1,000,000, so paying close to full value means more down. With cross collateral it can be 0%.
Yes, when the lot is at least 2 acres with legal access and you are buying it for business purposes, such as a resale or a seller financed sale. Check the county's shoreland rules before you buy, because they control lot size and setbacks on lakes.
Yes, when you buy it as an investment to resell, split, lease, or sell on terms, through an LLC or corporation. The tract needs 2 acres or more and recorded legal access. We do not lend on hunting land you will keep for your own use.
Yes. We are a direct hard money and private money lender for vacant land in Minnesota. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 7 days to close.
Some people search for a private money lender, others for a hard money lender. On land it is the same loan. Most of those lenders fund houses and pass on raw land. Land is all we lend on, and we fund our own loans with no broker in the middle. Every loan is for business purposes with a personal guarantee.
Hard money lender for land: see our terms →Whether you're selling a land note or financing your next acquisition in the North Star State, we'll give you a clear quote within 24 hours.
Sold Minnesota land with seller financing? We purchase seller financed land notes at 80 to 90% of balance: $50,000 minimum property value, $25,000 minimum balance, no seasoning required, performing and non-performing, written offer in 24 hours, closings in about 7 days.
See what your note is worth → · How note selling works · Document checklist