Montana DSCR Loan Calculator
Screen a Montana rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Montana; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Montana DSCR assumptions
The calculator seeds Montana with a starting property value of $400,000.00, starting rent of $1,150.00, annual property tax based on a 0.61% effective rate, and estimated annual insurance of $3,532.00.
STR note: No statewide restrictions. Bozeman has enacted STR regulations. Whitefish and Big Sky have active STR ordinance frameworks. Missoula has been debating STR limits. Resort and university towns in MT are rapidly adding STR regulations. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Billings/Yellowstone County (largest city, most diverse economy, hybrid). Missoula/Missoula County (university + outdoor recreation, appreciation driven). Bozeman/Gallatin County (fastest-growing, tech/remote workers, appreciation market). Great Falls/Cascade County (military — Malmstrom AFB, affordable cash flow). Kalispell/Flathead County (Glacier Park gateway, STR/appreciation).
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