DSCR Financing in MT

DSCR Loans in Montana

Bozeman appreciation, Big Sky STR demand, and affordable workforce rentals in Billings and Great Falls. Montana is a small but growing DSCR market.

Local Market Context

Investor Markets in Montana

Billings

The state's largest city and primary investor market with steady workforce rental demand.

Missoula

University of Montana town with tight housing supply and strong long-term rental demand.

Bozeman

Fast-growing mountain town with significant appreciation and a deep STR market near Big Sky.

Great Falls

Malmstrom Air Force Base military rentals and affordable workforce housing.

Helena

State capital with steady government-employee tenant demand and low entry prices.

Common Properties

What Investors Finance in Montana

✓Bozeman and Big Sky corridor STRs
✓Billings SFR long-term rentals
✓Missoula university-adjacent rentals
✓Great Falls military housing near Malmstrom AFB
✓Helena government-employee workforce rentals

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Montana

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in Montana is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Montana DSCR FAQ

Does Get Brick Capital offer DSCR loans in Montana?

Yes. Montana is one of the 50 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Montana?

Yes. Program 7 can be available in Montana for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Montana DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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