RCN Capital for Montana investors
RCN Capital is a national non-QM lender with capacity for larger transactions and strong experience on multi-unit and small commercial deals. Minimum DSCR is 1.00 at 680+ credit score or 1.15 at 660-679; excludes Alaska, North Dakota, South Dakota, Vermont, Nevada, and Utah. Closes in as few as 10 business days.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How RCN Capital positions in Montana
Montana is well covered by national DSCR lenders, with RCN Capital as one option. Where RCN Capital differentiates: high loan limits. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Montana
RCN Capital provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. RCN Capital 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, new-construction |
| Loan size | $100K - $3.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
RCN Capital strengths in Montana
- high loan limits
- established track record
- multi-family capacity
Ideal borrower: Investor with larger deals and multi-property exposure
FAQ
Yes, operates nationally including Montana. RCN Capital is based in South Windsor, CT and operates nationally.
Billings is the top investor market in Montana and falls within RCN Capital national coverage. Billings property tax follows the Montana state rate of 0.8 percent. RCN Capital typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from RCN Capital. Submarket variation within Bozeman matters for property selection.
RCN Capital 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 RCN Capital program.
RCN Capital 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. RCN Capital follows standard business-purpose loan structures.
RCN Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Montana.
Montana allows standard DSCR prepay structures; RCN Capital typically uses 3-5 year step down.
RCN Capital typical close: 10-21 days typical.
Bottom line
Montana investors considering RCN Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with RCN Capital.