Long-term rental financing for investment properties across Montana — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Montana metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Montana pairs sustained growth (Bozeman, Missoula) with STR opportunity in Glacier and Yellowstone-adjacent corridors. Migration inflow keeps rental demand strong across the I-90 corridor.
Bozeman has been one of the fastest-growing US micropolitans for years. Missoula adds sustained U of Montana + healthcare demand. Rental demand along Montana's I-90 corridor stays deep.
Montana continues to attract in-migration from higher-cost coastal metros — supporting steady rental demand across the state's main metros.
Kalispell, Whitefish, and Bozeman host active STR markets adjacent to Glacier and Yellowstone. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller Montana market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Yellowstone County — largest Montana metro
Missoula County — University of Montana + growth
Gallatin County — fastest-growing Montana city
Cascade County — Malmstrom AFB demand
Lewis and Clark County — state capital
Flathead County — Glacier NP corridor
Historic mining region — cash-flow secondary markets
Statewide coverage — send us any Montana property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Montana properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Montana — Billings, Missoula, Bozeman, Great Falls, Helena, and every other MT metro. Rates from 5.75%, up to 80% LTV.
Montana DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Montana metro. High-volume markets: Billings, Missoula, Bozeman, Great Falls, Helena. Secondary markets welcome.
Montana pairs sustained growth (Bozeman, Missoula) with STR opportunity in Glacier and Yellowstone-adjacent corridors. Migration inflow keeps rental demand strong across the I-90 corridor.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Montana DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Montana metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Montana builders. 85% land + 85% build. $100K–$7.5M.