Montana Investment Property Loans

Investing in Montana Real Estate

Montana’s real estate market is growing fast, and for good reason. The state offers strong opportunities for investors, thanks to increasing rental demand, a booming tourism industry, and relatively affordable property prices compared to neighboring states.

You’ll find different ways to invest here. Many investors focus on long-term rentals in cities like Bozeman and Missoula, where steady job growth and university populations create consistent demand. With rental prices up 2.9% since last year, long-term rentals continue to provide steady returns for investors. Others tap into short-term rentals near Yellowstone or Glacier National Park, where vacation properties can generate significant income.

Montana Investment Property Loan Types

Let’s look at your financing options for investment property loans in Montana. Each loan type serves different needs, so understanding your choices ensures you can make the right decision:

Conventional Loans

These are your standard investment loans. You’ll need good credit and a down payment of 15-25%, but you’ll usually get better interest rates in return. Conventional loans work well when you have a steady income and want to buy a single-family home or small multi-family property.

DSCR Loans

Here’s a different approach: you may qualify for DSCR loans based on the rental income the property will generate instead of your personal income. If the property will make enough money to cover its mortgage costs, you could qualify even with complex personal finances. These rental property loans in Montana are especially useful for properties with strong rental potential.

Bank Statement Loans

Do you run your own business? Bank statement loans might be the perfect option for you. Instead of complicated tax returns, we look at your bank deposits over the last 12-24 months. This works well for self-employed investors or anyone with non-traditional income.

VA Loans

Military members and veterans have a special opportunity with VA loans. While you need to live in the property, you can buy an investment property of up to four units. Live in one, rent out the others, and start building your portfolio with little money down.

FHA Loans

Don’t overlook this option if you’re just starting to invest in real estate. With FHA loans, you can put down as little as 3.5% and buy up to four units if you live in one of them. FHA loans are a smart way to begin real estate investing while having tenants help pay your mortgage.

Home Equity Loans

Already own a home? You might be able to use your equity to fund your investment property purchase. Home equity loans often have better rates than other investment loans and could offer tax benefits.

Asset-Based Loans

Have significant money in stocks or mutual funds? Asset-based loans let you use these investments as income for qualification. You won’t need to sell your investments — instead, lenders calculate a portion as monthly income to help you qualify.

Private Money Loans

Need to move fast on a good deal? Private money loans close quickly — often in days instead of weeks. These loans typically have higher mortgage rates, but the speed can help you secure competitive deals or fix-and-flip opportunities.

How to Get an Investment Property in Montana

Here’s your simple roadmap to getting started:

1. Pick your investment strategy: Decide what type of property you want. Are you interested in a duplex in Billings? Maybe a vacation rental in Whitefish? Or a single-family home in Great Falls? Your choice will help determine your next steps.
2. Choose your financing: Match your strategy with the right loan. Are you looking at a multi-unit property where you’ll live in one unit? Consider an FHA loan. Want a pure investment property? A DSCR loan might work better.
3. Start your search for a property: Once you’ve aligned your investment strategy and loan type, you can begin searching for properties. We recommend getting pre-approved to show sellers you’re a serious buyer.

Download our Griffin Gold app to track market trends, analyze potential investments, and easily share your financial information when ready to apply.

Why Choose Griffin Funding?

When looking for an investment property lender in Montana, you need someone who understands the local markets and your investment goals. Here’s what makes Griffin Funding different:

• Experience: We know Montana’s real estate markets and how to finance different property types. Our team has helped investors secure financing for everything from urban multi-family units to mountain vacation rentals. We understand what it takes to succeed in Montana’s diverse real estate landscape.
• Options: We offer multiple loan programs to fit your specific situation. Whether self-employed, investing through an LLC, or looking to qualify based on property income alone, we have solutions for different investment strategies.
• Personal service: Work directly with our team instead of getting lost in a big bank’s system. You’ll have a dedicated expert guiding you through the entire process. We’re here to answer your questions and help structure the right loan for your goals.
• Competitive rates: As a direct lender, we can offer competitive rates and efficient closings. Our streamlined process helps you move quickly on investment opportunities while keeping your costs down.

Expand Your Portfolio With an Investment Property Loan in Montana

Ready to start investing in Montana real estate? Whether buying your first investment property or growing your portfolio, we can help you find the right financing solution. Our team understands the local markets and can help match you with the best loans for investment properties in Montana.

Contact us today to explore your options and start building your real estate portfolio, or apply now to get started.