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Fix & Flip · Montana

Fix & flip loans in Montana — fund the deal, keep your cash.

Mortava fix & flip loans in Montana: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Montana is premium short-term-rental demand in Bozeman and gateway-to-Yellowstone towns. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Billings, Missoula, Bozeman and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Montana project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Montana projects with Mortava

In a market like Montana, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Billings, Missoula, Bozeman deals and recycle capital into the next project faster.

Bozeman and the Yellowstone gateway towns command premium nightly rates with hard supply limits. Montana is a short-term-rental income story first, appreciation second.

Top metros we fund
Billings, Missoula, Bozeman
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Montana

Not every Montana flip has to sell. In short-term-rental markets like Billings, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Montana fix & flip loan FAQ

Can I get a fix and flip loan in Montana?
Yes. Mortava funds fix & flip projects across Montana, including Billings, Missoula, Bozeman. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Montana flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Montana.
Do you fund first-time flippers in Montana?
Yes — first-time flippers are welcome in Montana with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Montana?
Yes — a common Montana exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Billings.
Do you fund flips in Billings and Missoula?
Yes — Billings, Missoula, Bozeman and every other Montana market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in MarylandFlip in MassachusettsFlip in MichiganFlip in MinnesotaFlip in MississippiFlip in MissouriFlip in NebraskaFlip in NevadaFlip in New HampshireFlip in New JerseyFlip in New MexicoFlip in New York
All Fix & Flip programs → DSCR loans in Montana → Instant quote & pre-qualify →
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