COMMERCIAL PROPERTY · Montana (MT) Underwriting Matrix

Montana Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) — 2026 Rates, LTV Caps & State Rules

Montana Commercial Property provide business-purpose real estate investors with Up to 75% LTV across loan amounts from $100,000 – $15,000,000+ at 6.875% – 8.99% (25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE, 660+ FICO min FICO, 21 – 30 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

Min FICO: 660+ FICO

2026 Rate Band

6.875% – 8.99%

25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE

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 Commercial Property Work in Montana (MT)

Commercial property loans provide non-bank DSCR and bridge financing for mixed-use buildings, small-bay industrial warehouses, neighborhood retail strips, medical/professional office, and self-storage facilities from $250,000 to $15,000,000+ without restrictive commercial bank depository requirements.

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 (21 – 30 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

Montana DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Montana Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Montana Private Money Loans (Up to 80% LTV / 85% LTC)Montana Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Montana Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Montana Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Montana Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Montana Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Montana Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))