Hard money lenders in Montana fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Montana investors use it for auctions, estates, BRRRR starts, and bridge situations across Bozeman and Billings.
What Montana investors use hard money for
- Distressed / non-warrantable assets a conventional lender will not touch
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Bridge between purchase and permanent financing or sale
- BRRRR starts — acquire and rehab, then exit to Montana DSCR
Why speed matters here: Montana foreclosure is non-judicial — trust-indenture foreclosure is available and relatively quick. Asset-based capital lets you act on that inventory before financed buyers can.
Montana hard money terms (2026)
| Term | Montana range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $375,000 – $525,000 typical ARV |
Montana metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Bozeman | $520K–$720K | $2,200–$3,000 | resort-influenced basis; conservative comps |
| Billings | $330K–$450K | $1,600–$2,150 | out-of-state investors use remote draw inspections |
Montana levies state income tax (~4.7%–5.9%); structure the hold or flip exit with that in mind.
Diligence before you fund in Montana
Montana carries specific physical-risk lines you must price before close:
- Wildfire/WUI exposure
- Severe winter logistics and remote draw access
What we need to issue a Montana term sheet
- Entity documents (LLC operating agreement, EIN) for vesting
- Comps or a desktop valuation toward ARV
- Proof of funds for down payment and reserves
- A credible exit — resale comps or projected rent
- Scope of work and rehab budget
Clean documents on these points are what compress a Montana closing to days, not weeks.
Recent Montana deal
Billings SFR funded for out-of-state investor with remote draw inspections. The pattern repeats: speed on acquisition, a clean scope, and a defined exit.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Montana that means one of two exits:
- Resale — finish and sell via fix and flip loans Montana economics
- Refinance — stabilize and hold with a Montana DSCR loan
Montana Division of Banking and Financial Institutions licensing applies to mortgage entities.
Montana hard money FAQ
How fast can a Montana hard money loan close?
With clear title and a workable scope, Montana deals can fund in roughly 7–14 days — fast enough for Bozeman auction and estate deadlines.
What leverage do Montana hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $375,000 – $525,000 band in Montana). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Montana hard money loan?
Either resale via fix and flip, or refinance into a Montana DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Montana Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.