MoFin Lending for Montana investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How MoFin Lending positions in Montana
The Montana lender pool for DSCR includes MoFin Lending among the active platforms. Montana top metros (Billings, Bozeman, Missoula) see meaningful MoFin Lending loan volume.
City-level coverage in Montana
MoFin Lending provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
MoFin Lending strengths in Montana
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Montana. MoFin Lending is based in an undisclosed location and operates nationally.
Billings is the top investor market in Montana and falls within MoFin Lending national coverage. Billings property tax follows the Montana state rate of 0.8 percent. MoFin Lending typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Bozeman matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Montana.
Montana allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For Montana DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.