LoanFunders for Montana investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum loan size, rate, or state-coverage figures in the sources reviewed.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How LoanFunders positions in Montana
Within Montana, LoanFunders competes alongside other DSCR lenders. LoanFunders strengths: 0.80 minimum DSCR floor (1.15 DSCR for best pricing), Direct lender. The low aggregate DSCR economics of Montana create demand for LoanFunders programs in Billings and Bozeman particularly.
City-level coverage in Montana
LoanFunders provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LoanFunders program terms apply uniformly across Montana metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $100K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
LoanFunders strengths in Montana
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct Montana coverage. LoanFunders is based in an undisclosed location and operates in states not publicly disclosed.
Billings is the top investor market in Montana and is generally within LoanFunders states not publicly disclosed footprint. Billings property tax follows the Montana state rate of 0.8 percent. LoanFunders typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from LoanFunders. Submarket variation within Bozeman matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in Montana.
Montana allows standard DSCR prepay structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
Montana investors considering LoanFunders should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with LoanFunders.