Missoula’s rental demand favors investors who stabilize quickly and lock long-term financing. DSCR loans size lending to property income, not tax returns, enabling scalable portfolios.

DSCR Made Simple

DSCR = Gross Rent ÷ PITIA. A ratio of 1.00+ is typically workable; higher DSCR improves pricing. Choose prepay terms that match your hold strategy.

What to Prepare

Leases or appraiser rent schedule, entity docs/IDs, bank statements for reserves, landlord policy naming lender as mortgagee, and appraisal access.

Common Missoula Use-Cases

Bridge-to-DSCR refis post-rehab; purchases with tenants in place; cash-out DSCR to unlock equity for new acquisitions.

Q&A

Vacant rental? Appraiser rent schedule can support DSCR sizing.
Small multifamily? Often eligible; underwriting varies by unit mix.
No-prepay? Available; pricing differs.

Hard Money Lender in Missoula