COMMERCIAL PROPERTY · Montana (MT) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

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Montana Commercial Property (2026) — Up to 75% LTV, 6.875% – 8.99% | Stephen R. Mannenbach | Stephen Mannenbach