DSCR Loans in Montana
Last updated: May 2026
Montana's lifestyle appeal has driven significant population growth, particularly in Bozeman, Missoula, and the Flathead Valley, creating tight rental markets with rising rents. For DSCR investors, the key is pairing strong rental demand with Montana's landlord-friendly framework and the growing short-term rental market near Glacier and Yellowstone National Parks.
Property Tax
0.74%
State Income Tax
4.7% - 5.9%
Landlord Friendly
Very
Eviction Timeline
20-30 days
Property Taxes in Montana
Montana property taxes are moderate. Gallatin County (Bozeman) averages about 0.79%, Missoula County roughly 0.81%, and Flathead County (Kalispell/Whitefish) around 0.65%. Tax rates on residential investment property can differ from owner-occupied rates.
Insurance Costs
Typical investment property insurance in Montana runs $1,650/yr. Wildfire risk is a primary concern across western Montana, especially in the wildland-urban interface around Missoula, Helena, and the Flathead Valley. Some mountain properties have seen insurance premiums spike or carriers decline to renew policies.
Landlord-Tenant Laws
Montana is landlord-friendly with a straightforward eviction process. Nonpayment of rent triggers a 3-day notice, and uncontested evictions typically resolve in 20 to 30 days. There is no rent control anywhere in the state, and no statewide limit on security deposit amounts.
Top Investment Markets in Montana
Bozeman
Montana State University and a booming tech/outdoor-industry economy have made this one of the tightest rental markets in the Mountain West.
Missoula
University of Montana and healthcare sector anchor demand; rental vacancy is consistently below 3%.
Kalispell
Gateway to Glacier National Park with strong STR income potential and growing year-round population.
Helena
State capital with stable government employment and lower entry prices than Bozeman or Missoula.
Billings
Largest city in Montana and an eastern Montana economic hub with the most affordable home prices among major markets.
DSCR Considerations in Montana
Montana's vacation rental markets near national parks can produce strong seasonal income, but DSCR lenders will typically annualize and discount that revenue. Bozeman's high home prices can make cash-flow underwriting challenging, so consider Billings or Helena for better ratios. Low vacancy rates across the state are a strong positive for DSCR loan applications.
Run the numbers for Montana
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