CASH-OUT REFINANCE · Montana (MT) Underwriting Matrix

Montana Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Montana Cash-Out Refinance provide business-purpose real estate investors with Up to 75% LTV Cash-Out (Select 80% LTV Tiers) across loan amounts from $100,000 – $15,000,000+ at 6.625% – 8.375% (30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only, 640 – 680+ FICO min FICO, 14 – 21 Business Days close). In Montana (MT), lenders underwrite to a Non-Judicial (Small Tract Financing Act) statutory framework (120–150 days-day average timeline), a 0.79% average property tax rate (~$306/mo at the $465,000 state median), and $510/$100K hazard insurance (~$198/mo).

Max Leverage / LTC

Up to 75% LTV Cash-Out (Select 80% LTV Tiers)

Min FICO: 640 – 680+ FICO

2026 Rate Band

6.625% – 8.375%

30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only

MT Security Instrument

Non-Judicial (Small Tract Financing Act)

120–150 days days avg timeline

MT Avg Tax & Ins

0.79% Tax

$510/$100K Hazard Ins

How Cash-Out Refinance Work in Montana (MT)

Investor DSCR cash-out refinance loans let property owners unlock equity from appreciated or recently renovated 1–4 unit rentals and 5–25+ unit multifamily properties up to 75% LTV—using only the property’s rental coverage ratio with zero personal tax returns and accelerated 90-to-180 day title seasoning options.

1. Montana Median Benchmark

Median 1–4 unit price of $465,000 (75% LTV = $348,750) with Form 1007 rent of $3,050/mo and multifamily rent of $1,720/door.

2. Escrow & Title Underwriting

Montana operates under a Non-Judicial (Small Tract Financing Act) regime (120–150 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (14 – 21 Business Days)

Close in your Montana LLC or Delaware LLC registered in MT with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Montana

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