REHAB & BRRRR LOANS · Montana (MT) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Montana Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Montana Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 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 + 100% Rehab Escrowed
Min FICO: 620+ FICO
2026 Rate Band
9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi
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 Rehab & BRRRR Loans (2026) — Up to 85%–90% LTC + 100% Rehab Escrowed, 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | Stephen R. Mannenbach | Stephen Mannenbach