The Rental Rehab Loan Program provides no-interest loans to landlords committed to preserving affordable rental housing. Qualified landlords can receive up to $40,000 to make health, safety, accessibility, energy-efficient and/or curb appeal upgrades to their rental properties.

Download Program Guidelines (PDF)


Landlords must:

  • Have a valid Certificate of Occupancy
  • Preserve 50% of units for occupants earning at or less than 60% AMI through the 10-year loan term

Property must:

  • Be 7 units or less

Loans can be used for:

  • Lead-based paint corrections;
  • Tree trimming related to structural interference;
  • Landscaping, including grading work;
  • Window or roof replacement;
  • HVAC and electrical upgrades; and/or,
  • Additional basic and necessary improvements for deferred maintenance activities, health and safety, habitability, energy efficiency, accessibility, livability and/or curb appeal.

See full program guidelines for more details.


  • Type: Loan
  • Maximum award: $40,000
  • Loan terms:
    • Interest: 0%
    • Term: 10 years
    • Repayment: Due quarterly
  • Application Fees:
    • Due with application: $50, for title search and credit check
    • Due at closing: $246, for closing and recording


Download Program Guidelines (PDF)

Completed applications should be mailed to:

City of Saint Paul 
ATTN: Rental Rehab Loan Program 
25 W 4th Street, Suite 1100 
Saint Paul, MN 5510

Completed applications include:

  • A non-refundable application fee of $50 paid to the order of "City of Saint Paul." Check or money order accepted.
  • Completed Application Form, including:
    • Signed Landlord's Responsibilities and Expectations
    • Signed Authorization to Release Information
  • Attachments including:

Last Edited: May 17, 2023