Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In Montana (MT), closings operate under a Non-Judicial (Small Tract Financing Act) regime (120–150 days-day average timeline) with a 0.79% average property tax rate and $510/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.
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