DSCR Loans Montana
Finance a rental anywhere in Montana on the property’s cash flow – not your income. Montana is a fast-appreciating mountain-west market with resort and university demand. We lend statewide with rates from 5.75%, up to 85% LTV, and DSCR from 0.75x – no tax returns or W-2s.
- Qualify on the property’s rent – no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Statewide: Billings, Missoula, Bozeman, Great Falls, and Helena
- SFR, Condo, 2-4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Montana DSCR Loans – Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent / payment (DSCR), not your personal income.
- Market: Montana statewide – balanced cash flow & appreciation.
- Max LTV: Up to 85% (purchase) · 75-80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720-780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity – foreign nationals eligible.
- Lender: CambridgeHomeLoan.com – direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Montana
What is a DSCR loan in Montana?
A Montana DSCR loan is an investment-property mortgage that qualifies on the property’s rental income – gross rent divided by full PITIA – instead of your personal income. With a statewide median home value near $467,372 and median rent around $1,706, Montana is a fast-appreciating mountain-west market with resort and university demand. We lend up to 85% LTV, accept DSCRs as low as 0.75x, and vest in an LLC or entity with no cap on financed properties.
| Qualifies on | The property’s rent / PITIA (DSCR) – no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| Coverage | All of Montana – statewide |
How we compare
CambridgeHomeLoan vs. top national DSCR lenders
Montana investors shop DSCR on leverage, credit access, loan size, and cost. Here is how our program compares with the terms commonly advertised by the leading national DSCR lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National DSCR Lender 1 | Top National DSCR Lender 2 |
|---|---|---|---|
| Rates from | 5.75% | ~6.13% | ~7.49% |
| Max LTV (purchase) | Up to 85% | 80% (85% only 740+ FICO, ≤$1M) | 80% (65-70% at 620-679 FICO) |
| Min DSCR | From 0.75x | From 0.75x | From 0.75x |
| Min FICO | 620 | 620 | 640 |
| Max loan amount | $20M+ | Up to $5M | Up to $3.5M |
| Foreign nationals | Yes – LLC, entity & foreign nationals | Limited | Limited |
| Prepay penalty | Flexible options | 0-5 yr | Varies |
| Fastest closing | As fast as 14 days | Varies | 14-21 days |
| Model | Direct lender since 1998 | Direct lender | Direct lender / fund |
“Top National DSCR Lender 1” and “Lender 2” are generic composites of terms commonly advertised across the national DSCR market as of July 2026 – not any single lender, and subject to change. For general comparison only.
Montana market data
Montana rental market at a glance (2026)
Representative 2026 statewide indicators for underwriting context – confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median home value (2026) | ~$467,372 (Zillow) |
| Median rent (2026) | ~$1,706/mo (RentCafe / market) |
| Property tax | ~0.74% effective (state average) |
| Top investor metros | Billings, Missoula, Bozeman, Great Falls |
| Investor profile | balanced cash flow and appreciation |
Montana by the numbers (2026)
- Profile: Montana is a fast-appreciating mountain-west market with resort and university demand.
- Where it pencils: Bozeman leads for growth and short-term-rental income near Yellowstone; Missoula adds university demand and Billings anchors the state’s largest rental base.
- DSCR access: we qualify Montana rentals on rent alone – up to 85% LTV, DSCR from 0.75x, 620 FICO, $20M+ capacity.
Sources: Zillow median home value and RentCafe / World Population Review rent data, 2025-2026; property-tax averages per Tax Foundation. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Where to invest
Top Montana cities for DSCR investors
Montana’s strongest rental markets include Billings, Missoula, Bozeman, Great Falls, and Helena. Bozeman leads for growth and short-term-rental income near Yellowstone; Missoula adds university demand and Billings anchors the state’s largest rental base. We lend in every one of them – and everywhere else in Montana.
Free tool
Montana rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Defaults reflect Montana statewide medians. Illustrative only – final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Montana)
Illustrative only; not a rate quote or commitment to lend. Statewide medians vary widely by city and property – we confirm rent with a Form 1007.
Rates
Montana DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% – strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Requirements
Montana DSCR loan requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Montana DSCR loan FAQ
Why invest in Montana with a DSCR loan?
Montana is a fast-appreciating mountain-west market with resort and university demand. A DSCR loan lets you finance these rentals on the property’s income – no tax returns or W-2s – so you can scale across Billings and beyond without income caps.
Which Montana cities cash-flow best for DSCR?
Our most-financed Montana markets include Billings, Missoula, Bozeman, Great Falls, and Helena. Bozeman leads for growth and short-term-rental income near Yellowstone; Missoula adds university demand and Billings anchors the state’s largest rental base.
What are the DSCR loan requirements in Montana?
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property’s rent via a Form 1007 – no tax returns or W-2s.
Can I close in an LLC or as a foreign national in Montana?
Yes. We vest in your name, an LLC, or an entity with no cap on the number of financed properties, and we lend to foreign national investors on Montana rentals.
Keep exploring
Related Montana & national investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown “from 5.75%” reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. State market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Comparison columns are generic market composites and are not the terms of, or an endorsement of or by, any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.