FIX & FLIP LOANS · Montana (MT) Underwriting Matrix

Montana Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Montana Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Montana (MT), lenders underwrite to a Non-Judicial (Small Tract Financing Act) statutory framework (120–150 days-day average timeline), a 0.79% average property tax rate (~$306/mo at the $465,000 state median), and $510/$100K hazard insurance (~$198/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

MT Security Instrument

Non-Judicial (Small Tract Financing Act)

120–150 days days avg timeline

MT Avg Tax & Ins

0.79% Tax

$510/$100K Hazard Ins

How Fix & Flip Loans Work in Montana (MT)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Montana Median Benchmark

Median 1–4 unit price of $465,000 (75% LTV = $348,750) with Form 1007 rent of $3,050/mo and multifamily rent of $1,720/door.

2. Escrow & Title Underwriting

Montana operates under a Non-Judicial (Small Tract Financing Act) regime (120–150 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Montana LLC or Delaware LLC registered in MT with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Montana

Montana DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Montana Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Montana Private Money Loans (Up to 80% LTV / 85% LTC)Montana Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Montana Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Montana Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Montana Commercial Property (Up to 75% LTV)Montana Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Montana Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))