HARD MONEY LOANS · Montana (MT) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Montana Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

Montana Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 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 85%–90% LTC / 75% ARV

Min FICO: 600 – 640+ FICO (Asset-Backed)

2026 Rate Band

9.25% – 11.50% Interest-Only

6, 12, 18 & 24 Months 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