Montana
Active LendingOpportunity ZoneMontana real estate investment market
Median Home Value
$455,364
Est. Cap Rate
1.8%
Based on rent yield × 65%
Vacancy Rate
13.4%
69% owner-occupied
Population
1.1M
Median income: $69,922
Montana Investment Analysis
Montana is a major metropolitan market with 1.1M residents and a median home value of $455,364. The 1.8% cap rate positions Montana as a premium appreciation market where equity growth drives returns. Values are stable with 0.9% annual growth, offering predictable returns without overheating risk. A healthy 31% renter population supports median rents of $1,031/month, providing reliable income streams for buy-and-hold investors. As your Real Estate CFO, we recommend exploring bridge financing for repositioning in Montana. Get pre-qualified for $150K–$10M in financing — term sheet in 48 hours.
Market Details
Housing Stock
523K units
Single-family: 363K
Multifamily: 87K (16.7%)
Investment Metrics
Gross Yield 2.7%
Cap Rate 1.8%
Price-to-Rent 36.8 (Favors renting)
Property Tax $2,535/yr
Demographics
Median Income $69,922
Median Age 40.2
Employment 99.3%
Home Value Trends
1-Year Appreciation +0.9%
3-Year Appreciation +9.2%
5-Year Appreciation +44.5%
Rental Market
$1,031/mo
Renter population: 30.6%
Lending Status
Active Lending
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Investor Resources — Montana
Key government departments and regulatory contacts for real estate investors
Contractor Licensing
Montana Department of Labor and Industry - Construction Contractor Registration
All construction contractors must register; under Employment Relations Division
Eviction Court
Justice Court / District Court
3-day notice to pay or quit; ~14-30 days total; landlord-friendly
Real Estate Commission
Montana Board of Realty Regulation
Under Dept of Labor & Industry; Helena office
Rent Control
N/A - No Rent Control
No rent control statewide. Preempts local rent control (enacted 2023).
Investment Strategy Assessment
How Montana performs for each investment strategy
DSCR Rental
ChallengingMontana's 1.8% cap rate suggests an appreciation-focused market. Consider value-add strategies to improve cash flow.
- Up to 85% LTV
- No income verification
- 5-30 year terms
Fix & Flip
ModerateVacancy at 13.4% — factor in longer hold times when modeling your flip ROI in Montana.
- Up to 90% of purchase + rehab
- 6-18 month terms
- Draw schedule for rehab
Bridge / Value-Add
Strong MatchBridge financing works in any market condition. Use it for acquisitions, refinances, or transitional properties in Montana while you stabilize or reposition.
- Up to 80% LTV
- 12-24 month terms
- Interest-only payments
Top Counties in Montana
56 counties by population
Yellowstone County
Gallatin County
Missoula County
Flathead County
Cascade County
Lewis and Clark County
Ravalli County
Silver Bow County
Top Cities in Montana
497 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| BillingsYellowstone County | 118K | $390,654 | 2.7% | View → |
| MissoulaMissoula County | 76K | $554,389 | 2.1% | View → |
| Great FallsCascade County | 60K | $328,554 | 3.2% | View → |
| BozemanGallatin County | 55K | $715,781 | 2.3% | View → |
| Butte-Silver Bow (balance) | 35K | $225,100 | 2.8% | View → |
| HelenaLewis and Clark County | 33K | $466,393 | 2.5% | View → |
| KalispellFlathead County | 27K | $541,638 | 3.0% | View → |
| BelgradeGallatin County | 11K | $544,626 | 3.2% | View → |
| Helena Valley Southeast | 10K | $308,000 | 3.1% | View → |
| Anaconda-Deer Lodge County | 10K | $209,700 | 2.5% | View → |
| HavreHill County | 9K | $224,252 | 3.2% | View → |
| Evergreen | 9K | $271,700 | 3.3% | View → |
| LivingstonPark County | 9K | $509,477 | 2.7% | View → |
| WhitefishFlathead County | 8K | $840,135 | 2.5% | View → |
| Miles CityCuster County | 8K | $233,769 | 3.1% | View → |
Top Neighborhoods in Montana
46 neighborhoods
Bogert Park
Bozeman Creek
Central
Central-Terry
Cooper Park
Downtown
Emma Dickinson Orchard Homes
Euclid Ave North
Euclid Ave South
Farviews & Pattee Canyon
Franklin to the Fort
Big Sky
Montana Investment Report
Comprehensive state market analysis
Get the Complete Montana Market Analysis
Make data-driven investment decisions with our comprehensive state report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Counties in Montana for DSCR Investment
Our data team analyzed every countie in Montana to find the best opportunities for cash-flowing DSCR investments.
Top 10 Counties
Montana | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Montana deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on Montana opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000