Licensed & LendingHard Money & DSCR Loans in Montana
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Montana fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Montana buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Montana growth corridors specifically.
Active Markets
Cities We Fund Across Montana
Active lending across Montana's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Montana Investors
Bozeman / Big Sky STR-aware DSCR loans
Available statewide for Montana investors.
Bridge financing for resort-adjacent deals
Available statewide for Montana investors.
Fix-and-flip in primary metros
Available statewide for Montana investors.
Common Questions
Montana Lending FAQ
Do you lend hard money loans in Montana?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Montana through our 270+ lender network. We close Montana deals in as little as 7 days.
What cities in Montana does Capital Kings lend in?
We fund 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 fund 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?
As little as 0% down on the right deal. Most Montana hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Montana can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Montana Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Montana deal we close.
Adjacent Markets
Also Lending In
M
Founder & Broker
Micah Foster
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.
Connect With Micah →Ready to fund your Montana deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.