© WHERE WE LEND SAN DIEGO HQ · NORTH DAKOTA
HARD MONEY LENDER NORTH DAKOTA
Loan Goat lends to investors in Fargo, Bismarck, Grand Forks and Minot, with in-house capital and no committee.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across North Dakota, in Fargo, Bismarck, Grand Forks and Minot. The borrower here is the investor: someone buying a duplex in Cass County to rent out, rehabbing an older house near downtown Bismarck, or building small rental product where the job base keeps growing. We fund business-purpose, non-owner-occupied real estate straight off our own balance sheet.
North Dakota is a lender's blind spot and an investor's opening. Fargo anchors the eastern side with the Red River Valley economy and steady student demand. Grand Forks runs on the university and the air base beside it. Bismarck holds government and health care employment. Minot and the western half still move with energy work. Older frame housing and small multifamily carry most portfolios.
Loan Goat sits in San Diego and lends in North Dakota. That matters more here than in a crowded market, because our capital does not care about distance and the approval never leaves our desk. There is no local branch to satisfy and no regional credit box to squeeze into. One decision maker, in-house money, minimal documentation, closings in 5 to 7 days.
Investors in North Dakota mostly buy what working people rent. Fargo and West Fargo trade in older bungalows near North Dakota State University and newer townhome and duplex product on the edges of town. Grand Forks turns on University of North Dakota housing and the base nearby. Bismarck and Mandan sell solid midcentury ranch stock. Minot investors buy small multifamily built for energy crews and airmen.
© NORTH DAKOTA LOCATIONS SAN DIEGO HQ · NORTH DAKOTA
EXPLORE OUR NORTH DAKOTA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
© THE COST SAN DIEGO HQ · NORTH DAKOTA
WHAT DO NORTH DAKOTA HARD MONEY LOANS COST
There is no separate North Dakota rate sheet. Bridge opens at 9.00%, terms run one or two years, and a minimum 650 credit score applies. What moves the number is the property, the leverage and how the loan gets paid back.
The written quote comes first and it holds. For a North Dakota borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · NORTH DAKOTA
WHY LOAN GOAT IN NORTH DAKOTA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A regional bank in a small market lends to people it already knows. If you are new here, out of state, or simply moving faster than a committee meets, that is a wall. Loan Goat is a direct lender: property first, borrower second. Bridge from 9.00%, up to 75% LTV, no prepayment penalties, and an answer from the person actually holding the checkbook.
The programs map onto real North Dakota strategy. Fix and flip for the Grand Forks rehab, construction for new duplex product in Cass County, DSCR rental for the Bismarck hold, commercial for a Minot small-bay building, blanket loans once you have collected enough doors to hate separate closings. Bridge loans start at $150,000 and reach $25,000,000.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NORTH DAKOTA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. North Dakota files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NORTH DAKOTA
The full program stack is available on North Dakota property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · NORTH DAKOTA
HOW WE LEND IN NORTH DAKOTA
The programs map onto real North Dakota strategy. Fix and flip for the Grand Forks rehab, construction for new duplex product in Cass County, DSCR rental for the Bismarck hold, commercial for a Minot small-bay building, blanket loans once you have collected enough doors to hate separate closings. Bridge loans start at $150,000 and reach $25,000,000.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NORTH DAKOTA BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS SAN DIEGO HQ · NORTH DAKOTA
NORTH DAKOTA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Loan Goat funds business-purpose real estate loans in North Dakota, including Fargo, Bismarck, Grand Forks and Minot. We are a direct private lender using in-house capital, which is why an out-of-state address or a thin local banking relationship does not slow you down at all. Bridge, fix and flip, construction, DSCR rental, commercial and blanket loans are available. Call (619) 617-2797 to open a file.
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Ward County and the smaller western markets are open to us because we underwrite the property and the exit, not a town size cutoff. Minot small multifamily and single-family rentals both work on bridge or DSCR rental. Tell us the address, what you are paying, and the rent picture, and you will get a straight answer rather than a maybe.
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Bridge is built for exactly that, with minimal documentation and funding in as fast as 3 days. DSCR rental is the other route, leaning on the property's rent instead of your personal paperwork. Cass County single-family and duplex files are straightforward for us. Call (619) 617-2797 and we will tell you which one fits.
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Construction is one of our nine programs, and small rental product in Burleigh or Grand Forks county is a normal use for it. We fund on the project, the budget and the exit, whether that exit is a sale or a refinance into DSCR rental. Bring plans, a real budget and a schedule, and we will structure the draws.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND SAN DIEGO HQ · NORTH DAKOTA
NORTH DAKOTA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · NORTH DAKOTA
SUBMIT A LOAN REQUEST
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(619) 617-2797
