MONTANA (MT) WHOLESALE UNDERWRITING DESK · 3 MAJOR CITIES (50,000+ POP)

Montana DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans

Montana (MT) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Montana utilize Non-Judicial (Small Tract Financing Act) security instruments, with an average non-homestead effective property tax rate of 0.79%, a median 1–4 unit investment home price of $465,000 (median rent $3,050/mo), and 5+ unit multifamily market rents averaging $1,720/door. Arranged by Loan Daddy LLC (NMLS #2827624).

SECURITY INSTRUMENT

Non-Judicial (Small Tract Financing Act)

EFFECTIVE PROPERTY TAX

0.79% Avg ($306/mo)

MEDIAN 1–4 UNIT PRICE & RENT

$465,000 · $3,050/mo

5+ UNIT MULTIFAMILY RENT

$1,720/door/mo

Montana Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $465,000·Loan/Door: $348,750·Avg Rent/Door: $3,050/mo

Property Value / Purchase Price$465,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,050/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 113 bps · 7500 bps LTV · 6625 bps Rate

1.13x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$348,75034,875,000 _cents

Monthly P&I Debt Service$2,233/mo@ 6.625% Note Rate

Total Monthly PITIA$2,702/moTax: $306 · Ins: $163

Net Monthly Cash Flow+$348/mo$4,176/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,702/mo	1.13x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,760/mo	1.11x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,503/mo	1.22x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Montana Cities with Population ≥ 50,000 (3 Markets)

Click any Montana city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:

City (MT)	County	2026 Est. Pop	Effective Tax Rate	Median 1–4 Unit Price	Median Monthly Rent	5+ Unit Rent/Door
Billings, MT →	YELLOWSTONE County County	118,874	0.74%	$430,000	$2,850/mo	$1,600/door
Missoula, MT →	MISSOULA County County	75,343	0.84%	$460,000	$3,000/mo	$1,700/door
Great Falls, MT →	CASCADE County County	64,693	0.73%	$425,000	$2,800/mo	$1,575/door

All 10 Loan Programs & 6 Unit Tiers in Montana

DSCR Loans in MT →Hard Money Loans in MT →Private Money Loans in MT →Fix & Flip Loans in MT →Bridge Loans in MT →Ground-Up Construction in MT →Multifamily (5+ Units) in MT →Commercial Property in MT →Rehab & BRRRR Loans in MT →Cash-Out Refinance in MT →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)