DSCR Loans in Cascade County, Montana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 41 lenders made 138 investment-property loans in Cascade County, 9.2% of Montana's total. Dominick Prevete arranges DSCR loans across Cascade County, Montana, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $270,000.
Cascade County investor market at a glance
| Statistic | Cascade County | Montana | County rank |
|---|---|---|---|
| Investor loans | 138 | 1,497 | 4th of 5 |
| Reporting lenders | 41 | 199 | 5th of 5 |
| Loan volume | $30.9M | $626.6M | 5th of 5 |
| Average loan | $224K | $419K | 5th of 5 |
| Median loan | $185K | $265K | 5th of 5 |
| Purchases | 52.9% | 63.4% | 5th of 5 |
| Cash-out refinances | 12.3% | 12.8% | 2nd of 5 |
| 2–4 unit properties | 28.3% | 20.4% | 1st of 5 |
| Top five lenders' share | 57.2% | 34.6% | 1st of 5 |
| Reported business-purpose | 57.2% | 66.9% | 5th of 5 |
Cascade County: closed-end loans on 1–4 unit investment properties. Cascade County's rank is highest first, among Montana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cascade County's investor loans.
What stands out in Cascade County
52.9% of Cascade County's investor loans were purchases, the lowest share of Montana's 5 counties with published data (statewide: 63.4%).
Refinances are a larger share here than in most of Montana. A DSCR refinance qualifies on the property's current rent.
57.2% of Cascade County's investor loans were reported as business-purpose, the lowest share of Montana's 5 counties with published data (statewide: 66.9%).
Fewer investor loans here were reported as business-purpose than in most of Montana. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
28.3% of Cascade County's investor loans financed a 2–4 unit property, the highest share of Montana's 5 counties with published data (statewide: 20.4%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Cascade County?
At HUD's fair market rent of $1,811 for a 3-bedroom in Cascade County, Montana, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Cascade County's median home value is $265,300; at that price the payment is $1,752 a month, so the property would need $1,775 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,308 / $1,811 / $1,988 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $265,300 |
| Median property taxes and effective rate | $2,320 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,752 |
| Rent needed to cover that payment | $1,775 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $395,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Cascade County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cascade County?
The most active investment-property lenders in Cascade County in 2025 HMDA data were Stockman Bank of Montana, Opportunity Bank of Montana and Citizens Alliance Bank, out of 41 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Cascade County, and matches each file to the one most likely to fund it.
Cascade County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 138 loans and $30.9M from 41 lenders. Stockman Bank of Montana led Cascade County with 32 loans, 23.2% of the county's total, and the average Cascade County loan of $224K compares with $419K across Montana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Stockman Bank of Montana | 32 | $6.0M | $186K | 68.8% |
| Opportunity Bank of Montana | 16 | $2.7M | $168K | 75.0% |
| Citizens Alliance Bank | 15 | $3.6M | $239K | 66.7% |
| Bravera Bank | 9 | $2.2M | $243K | 33.3% |
| Belt Valley Bank | 7 | $0.8M | $121K | 57.1% |
| United Wholesale Mortgage | 6 | $1.5M | $245K | 33.3% |
| Rocket Mortgage, LLC | 6 | $1.1M | $187K | 16.7% |
| Independence Bank | 3 | $1.5M | $508K | 66.7% |
| U.S. Bank National Association | 3 | $0.5M | $175K | 66.7% |
| Fairway Independent Mortgage Corporation | 3 | $0.4M | $122K | 33.3% |
| A&D Mortgage LLC | 2 | $1.5M | $740K | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | $0.6M | $285K | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | $0.5M | $255K | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | $0.4M | $220K | 50.0% |
| Horizon Federally Insured State-Chartered Credit Union | 2 | $0.4M | $215K | 50.0% |
| Ascent Bank | 2 | $0.3M | $175K | 50.0% |
| RPE Home, Inc | 2 | $0.3M | $140K | 0.0% |
| First American Bank and Trust Company | 1 | $1.5M | $1505K | 0.0% |
| 1st Summit Bank | 1 | $0.6M | $585K | 100.0% |
| Loandepot.Com, LLC | 1 | $0.4M | $405K | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | $0.3M | $325K | 100.0% |
| Stifel Bank and Trust | 1 | $0.3M | $325K | 0.0% |
| KIND LENDING, LLC | 1 | $0.3M | $305K | 0.0% |
| Mountain America Federal Credit Union | 1 | $0.3M | $265K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.3M | $265K | 100.0% |
15 Montana loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cascade County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Cascade County CSV, all 25 lenders
What Cascade County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cascade County's fix-and-flip and bridge lenders barely appear among its 41 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Cascade County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Cascade County |
|---|---|---|---|
| Missoula County, MT | 134 | 48 | About 120 miles away |
| Gallatin County, MT | 237 | 71 | About 125 miles away |
| Flathead County, MT | 191 | 71 | About 140 miles away |
| Yellowstone County, MT | 266 | 47 | About 175 miles away |
Run the coverage test on your Cascade County, Montana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cascade County, Montana property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Cascade County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 41 lenders and 138 loans: 2025 HMDA loan-level data rolled up to Cascade County.
- Cascade County investor-lender dataset (CSV) — All 25 lenders in the Cascade County, Montana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cascade County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Great Falls, MT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cascade County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.