Lendai Finance for Montana investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How Lendai Finance positions in Montana
Montana is well covered by national DSCR lenders, with Lendai Finance as one option. Where Lendai Finance differentiates: foreign-national DSCR specialist. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Montana
Lendai Finance provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lendai Finance program terms apply uniformly across Montana metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
Lendai Finance strengths in Montana
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Montana. Lendai Finance is based in New York, NY and operates nationally.
Billings is the top investor market in Montana and falls within Lendai Finance national coverage. Billings property tax follows the Montana state rate of 0.8 percent. Lendai Finance typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from Lendai Finance. Submarket variation within Bozeman matters for property selection.
Lendai Finance applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula all qualify for the same Lendai Finance program.
Lendai Finance indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Montana.
Montana allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
Montana investors considering Lendai Finance should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Lendai Finance.