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Hard Money Lenders
montana

For experienced and beginner investors flipping Montana’s real estate market. Our hard money loans cover up to 90% Of Purchase + 100% of Rehab.
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Funded Montana Fix and Flip
Funded Montana Fix and Flip
Loan Amount: $703,000
LTV: 90% of Purchase + 100% of Rehab
  • Rate 10.75%
  • 12 Months
  • Points 2.0%
  • 22 Days to Close

Why ChOose Ridge Street For Your Montana Hard Money Loan

Over 200
Funded Deals
$80M+
Loan Volume
70+
5 Star Reviews
10-14 Days
Avg. Closing Time
In 35 States
Including Montana

How We Evaluate Hard Money Loans In Montana

At Ridge Street Capital, we’re more than just a national lender—we're the lender of choice for Montana real estate investors looking for fast, reliable funding. This section is here to give you a transparent view into how we evaluate fix and flip opportunities across the state. Here’s how we evaluate your deal:

1.  We Prioritize Profitable Projects

We fund deals with strong potential for success. That typically means:

  • Loan amounts up to 75% of After Repair Value
  • ‍Projects with at least 20% projected ROI
  • ‍An ARV backed by credible sold comps, not inflated listings
We’re looking for win-win projects where our borrowers will be successful.

2. We Match Rehab Scope With Experience

As an investor builds their track record, access to financing on larger more complex projects is provided:

  • ‍Beginner investors should focus on moderate rehab deals (Rehab <= 50%Purchase Price)
  • Intermediate flippers with 1-2 completes projects, can pursue heavy rehabs (Rehab <= 100% Of Purchase)
  • Experience investors with 3-5+ completed projects can be financed on expansion projects
Most successful house flippers and BRRR investors have a rinse a repeat strategy with light and moderate rehabs.

As an investor builds their track record, access to fiancing on larger more complex projects is provided:

  • Loan amounts up to 75% of After Repair Value
  • ‍Projects with at least 20% projected ROI
  • ‍An ARV backed by credible sold comps, not inflated listings
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3.  We Reward Creditworthy Borrowers

While our loans are asset-based, your credit still matters.

  • Strong credit is the highest indicators of successful fix and flips across our protfolio
  • Real Estate investors often have high credit utilization which can bring down their scores - this is acceptable for underwriting
If you're credit score is above 660 we'll be happy to work with you and your team.

4.   Lending in Strong Montana Submarkets

Leverage is adjusted based on local market strength.
Up to 75% LTARV in Montana's strongest housing markets and more conservative (e.g., 65% LTARV) in declining submarkets.
‍
In 2025, Montana’s main markets—such as Billings, Missoula, and Bozeman—have shown consistent demand, with growth in both long-term rentals and short-term, tourism-driven markets. Ridge Street does not flag any Montana submarkets for reduced leverage, so we’re comfortable offering our maximum LTV statewide. We’re funding both first-time and experienced investors on non-rural properties.

Montana Hard Money Loan Product Details

Montana Fix and Flip Loan Beginner

Perfect for first-time investors with solid credit, doing light to moderate rehab projects.

Up to 90% Loan-to-Cost (LTC) and 100% Rehab with 740+ credit

Up to 80% Purchase + 100% Rehab with 720+ credit

Up to 75% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Interest Rates from 10.75% to 11.25%

Origination Fee: From 2.0%

Loan Size: $50,000 to $2,000,000

Moderate Rehab Only (Rehab ≤ 50% of Purchase Price)

See our Guide on Fix and Flip Loans For Begginers

Learn More
Get Approved Online

Montana Fix and Flip Loan Intermediate

Designed for investors with 1-2 experiences and larger rehab goals.

Up to 90% LTC + 100% Rehab with 740+ credit

Up to 80% Purchase + 100% Rehab with 680+ credit

Up to 75% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Intersest Rates from 10.65%–11.25%

Origination Fee From 2.0%

Loan Size $50,000–$2,500,000

Heavy Rehab Allowed (Rehab ≤ 100% of Purchase)

Use our Fix and Flip Loan Calculator

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Get Approved Online

Montana Fix and Flip Loan Pro

Ideal for experienced investors with 3-5+ experiences pursuing heavier rehab projects.

Up to 90% LTC + 100% Rehab with 720+ credit

Up to 85% Purchase + 100% Rehab with 680+ credit

Up to 80% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Interest Rates from 10.5% to 10.75%

Origination Fee: From 1.5%

Loan Size from $50,000–$3,500,000

Expansion Projects and lopsided rehabs allowed

Learn More
Get Approved Online

Check To See What Terms You Qualify for?

See Your Terms

Montana Hard Money Loan process

We make funding your Montana real estate investment fast and simple. Our process is streamlined for speed and transparency— with closings in as little as 7-14 business days.

Hard Money Loan Step 1 Container
Step 1 Icon

Apply Or Get Pre-Approved Online

~ 2mins
Fill out a 2 Min Quick App with info about your Montana based project. We need some preliminary information so that we can accurately evaluate your deal.

Whether you're actively under contract or just looking to get pre-approved, we’ll review your application details and get back to you within the same business day.
Request A Term Sheet | Get Pre-Approved | Schedule A Call
Loan Process Step 2
Step 2 Icon

Receive a Term Sheet

~ 2mins
Once we have your completed application, we’ll send you a The Term Sheet via email that will provide a clear breakdown of the loan amount, rate, fees, non-lender costs, and estimated cash to close. We’ll also follow-up with a call to walk you through the process.
Hard Money Loan Process Step 3 Container
Step 3 Icon

Submit Docs

~ 1-7 days
Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin formally underwriting the loan. We’ll collect documents like an ID, purchase contract, and rehab budget, and Entity Documents.
Loan Process Step 4
Step 4

Appraisal

~ 2-7 days
Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days. We have quick turn around appraisal option to make sure our Montana based deals can close quickly.
Hard Money Loan Process Step 5 Container
Step 5 Icon

Closing

~ 1-3 days
Once we have the completed document package, we’ll schedule closing with your title company or attorney. Funds are wired same-day after signing. You’ll get a copy of the final HUD and wire confirmation.
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Funded Montana Hard Money Loan

A Proven Track Record Funding Projects Like These

State
Montana
Loan Type
Fix and Flip Loan
Loan Amount
$703,000
Loan Amount (if applicable)
90% of Purchase + 100% Of Rehab
Rate
10.75%
Points
2.00%

Montana Deal Summary

Ridge Street Capital provided a $703,000 hard money loan to a first time investor for the acquisition and renovation of a 4-bedroom, 2-bathroom, 2,106 sq. ft. property in Bozeman, MT.

The loan covered 90% of the purchase price and 100% of the $100,000 rehab budget, which focused on a full rehab with a new kitchen, bathrooms, flooring, paint, and high-end finishes.

The borrower was a first time fix and flip investor with excellent credit (740+) and the project had a strong projected profit with an expected ARV of $1,100,000, so we offered maximum leverage at 75% of the After Repair Value. The borrower came out of pocket with a $67,000 down payment plus closing costs.

We received the loan request with ample time and closed on time with out any issues.

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Montana Hard Money LOan

Client Review

"I just sold my first flip in Bozeman and Ridge Street was our funder. We bought the property from a wholeasaler (which I was nervous about) but, Ridge Street walked us through it and helped us get comfortable making the decision to move forward. The project turned out better than I could have imagined. We’re looking at just over $200K in profit. For a first time investor that’s life changing, and I’m already hunting for the next deal.”

Sara A. - Bozeman, MT

Frequently Asked Questions

How do Hard Money Loans work in Montana?

Hard money loans in Montana are short-term, asset-based loans used by real estate investors to purchase, rehab, or build investment properties. Approval is based on the property’s current value, after-repair value (ARV), your investing track record, and credit score—not your personal income. Montana hard money lenders like Ridge Street Capital can close in as little as 7-10 days, making them ideal for competitive markets like Bozeman and Helena.

Are Fix and Flip Loans the same as Hard Money Loans?

Yes, fix and flip loans are a type of hard money loan. They’re specifically designed to help investors quickly secure funds for the purchase and rehab of distressed properties before reselling for profit. Check out our complete guide for fix and flip loans.

Can I finance 100% of my Fix & Flip with a Hard Money Loan?

In Montana, Ridge Street requires investors to bring 10–20% of the project cost as a down payment. However, experienced investors or first time investors with strong credit may qualify for up to 90% Loan-to-Cost (LTC) and 100% of rehab expenses, effectively covering the full renovation budget.

How Fast can I Close a Hard Money Loan?

In Montana, Ridge Street can close hard money loans  in as little as 7–10 business days, depending on appraisal and document turnaround.

Do Hard Money Loans Require a Good Credit Score?

While credit score matters, Ridge Street’s hard money loans focus more on the property’s value and your exit strategy. Borrowers who have credit scores as low as 660 are eligible for financing, with better terms available for scores of 740+.

Do you offer DSCR Loans in Montana?

Yes, we offer DSCR (Debt Service Coverage Ratio) loans in Montana. We have DSCR Loans For Long Term Rentals and DSCR Loans For Short Term Rentals like Airbnb and VRBO.

How do I Find Good Fix and Flip Deals in Montana?

Montana investors often find deals through wholesalers, foreclosures, REO (bank-owned) listings, MLS searches, and local real estate investment groups. Building relationships local real estate agents and wholesalers can give you early access to off-market opportunities. It is extremely important to be patient when looking for deals anf move quickly once you find the right investment.

Can I use a Hard Money Loan for a BRRRR Project in MT?

Yes, many Montana investors use our hard money loans to purchase and rehab a property, then refinance into a long-term DSCR loan to hold it as a rental. Use our BRRRR Calculator to run the analysis on your BRRRR Project.

Do I need an LLC to get a Hard Money Loan in Montana?

Yes, in Montana, Ridge Street requires borrowers to purchase fix and flips through an LLC or Corporation. Setting up an LLC is actually quite straight forward process. We can recomend this guide for setting up an LLC in Montana: Starting An LLC in Montana

Where can I Learn More about Real Estate Investing in MT?

One of the best ways to get started is by attending local real estate investor (REI) meetups and networking events. Connecting with experienced investors can help you learn market trends, find partners, and source deals.
‍
In Billings, the Billings Real Estate Investors Meetup brings together investors to discuss strategies and opportunities.

In Bozeman, the Bozeman Real Estate Investors Group hosts networking events for both new and experienced investors.
‍
For a statewide and national resource, check out BiggerPockets, where you can connect with Montana investors, access tools, and read educational articles.

Best Cities To Invest In Real Estate
In Montana

Helena

Helena offers a quieter flip market compared to Montana’s larger metros, but that creates opportunity for investors who can spot undervalued homes. Demand is steady from state workers, retirees, and families seeking affordability relative to Bozeman or Missoula. Older housing stock near downtown and in established neighborhoods often trades below replacement cost, giving flippers room to modernize properties for buyers looking for updated but affordable homes. Investors can leverage DSCR or fix-and-flip financing here to target niche opportunities where supply is thin but demand is reliable.

Billings

As Montana’s largest city, Billings has one of the most consistent real estate markets in the state. The metro’s size creates a broad buyer pool, with demand strongest for mid-priced homes that serve working families and healthcare professionals. Flippers can find opportunity in older properties on the West End and inner-ring suburbs, where cosmetic updates or layout improvements often yield solid resale margins. Billings may not have the boom-and-bust swings of tourist markets, but its steady growth makes it a dependable city for flips that move quickly once brought to market.

Bozeman

Bozeman is Montana’s hottest and most competitive flip market, fueled by rapid in-migration, a growing tech presence, and constant demand from outdoor lifestyle buyers. High home prices can make entry costs steep, but flips in the $500K–$800K range often draw strong interest when properties are positioned as “move-in-ready” in desirable neighborhoods like the North Side or near Montana State University. Unlike other Montana cities, Bozeman also has a luxury segment, where new finishes and modern design can command premiums from second-home buyers. For experienced flippers, Bozeman offers some of the state’s best upside — though competition for inventory is fierce

Additional Hard Money Loan Resources

View More

November 9, 2024

Fix and Flip Calculator

Use this Fix and Flip Calculator to analyze the profit of your next fix and flip project.

July 31, 2024

BRRRR Calculator

Use this interactive BRRRR Calculator for evaluating your investment property deals in minutes.

July 9, 2024

Best Fix and Flip Loans for First-Time Investors

What makes a good Fix and Flip Loan for a first time investor and how to secure this capital?

READY TO GET
STARTED

With Ridge Street, obtaining an investment property loan is easier than you think! You can get pre-approved online and a Term Sheet that meets your needs will be sent to you within the same business day.

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