Capital Kings brokers Montana investor loans. Hard money, DSCR, and bridge in Bozeman, Missoula, Billings, and across the state. Montana is a smaller-volume but high-quality investor market with strong appreciation and STR upside in the resort-adjacent towns.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Montana
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds Montana Deals
Bozeman is one of the hottest small-city appreciation markets in the country and STR demand around Big Sky and Yellowstone keeps DSCR underwriting interesting. Our lenders include shops that actually fund in MT and know the seasonal demand patterns.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Montana flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Montana buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Montana growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Montana
Active lending across Montana's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Montana before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Montana Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Bozeman / Big Sky STR-aware DSCR loans
Bridge financing for resort-adjacent deals
Fix-and-flip in primary metros
Common Questions
Montana Lending FAQ
Do you lend hard money loans in Montana?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Montana through our 350+ lender network. We close Montana deals in as little as 7 days.
What cities in Montana does Capital Kings lend in?
We broker investor loans statewide in Montana, with active deal flow in Billings, Missoula, Great Falls, Bozeman, Helena and the surrounding metros.
Do you offer DSCR rental loans in Montana?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across Montana on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Montana hard money loan close?
Most Montana fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Montana fix-and-flip loan?
It depends on the deal. Most Montana hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Montana Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Montana deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Montana are originated by partner lenders licensed to lend in Montana. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender