DSCR Loans in Flathead County, Montana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 71 lenders made 191 investment-property loans in Flathead County, 12.8% of Montana's total. Dominick Prevete arranges DSCR loans across Flathead 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 $355,000.
Flathead County investor market at a glance
| Statistic | Flathead County | Montana | County rank |
|---|---|---|---|
| Investor loans | 191 | 1,497 | 3rd of 5 |
| Reporting lenders | 71 | 199 | 1st of 5 |
| Loan volume | $118.4M | $626.6M | 2nd of 5 |
| Average loan | $620K | $419K | 1st of 5 |
| Median loan | $365K | $265K | 2nd of 5 |
| Purchases | 66.5% | 63.4% | 1st of 5 |
| Cash-out refinances | 11.0% | 12.8% | 5th of 5 |
| 2–4 unit properties | 13.1% | 20.4% | 5th of 5 |
| Top five lenders' share | 36.6% | 34.6% | 5th of 5 |
| Reported business-purpose | 72.8% | 66.9% | 1st of 5 |
Flathead County: closed-end loans on 1–4 unit investment properties. Flathead County's rank is highest first, among Montana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Flathead County's investor loans.
What stands out in Flathead County
11.0% of Flathead County's investor loans were cash-out refinances, the lowest share of Montana's 5 counties with published data (statewide: 12.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The average investor loan in Flathead County was $620K, the highest average of Montana's 5 counties with published data (statewide: $419K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
13.1% of Flathead County's investor loans financed a 2–4 unit property, the lowest share of Montana's 5 counties with published data (statewide: 20.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Flathead County?
At HUD's fair market rent of $2,263 for a 3-bedroom in Flathead County, Montana, a rental covers its full DSCR payment up to a purchase price of about $355,000, with 20% down at the 7.25% starting rate (November 2026). Flathead County's median home value is $535,500; at that price the payment is $3,406 a month, so the property would need $3,425 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,682 / $2,263 / $2,626 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $535,500 |
| Median property taxes and effective rate | $3,120 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,406 |
| Rent needed to cover that payment | $3,425 |
| Coverage of a 3-bedroom at fair market rent | 0.66 |
| Highest price a 3-bedroom at fair market rent covers | about $355,000 |
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 Flathead County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Flathead County?
The most active investment-property lenders in Flathead County in 2025 HMDA data were Glacier Bank; CROSSCOUNTRY MORTGAGE, INC.; and United Wholesale Mortgage, out of 71 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 and matches each file to the one most likely to fund it.
Flathead County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 191 loans and $118.4M from 71 lenders. Glacier Bank led Flathead County with 20 loans, 10.5% of the county's total, and the average Flathead County loan of $620K compares with $419K across Montana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glacier Bank | 20 | $8.2M | $410K | 85.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | $7.0M | $469K | 73.3% |
| United Wholesale Mortgage | 13 | $10.5M | $805K | 38.5% |
| KIND LENDING, LLC | 11 | $3.9M | $351K | 63.6% |
| CALCON MUTUAL MORTGAGE LLC | 11 | $3.5M | $314K | 63.6% |
| Stockman Bank of Montana | 10 | $8.2M | $817K | 60.0% |
| First Interstate Bank | 7 | $3.9M | $556K | 85.7% |
| Rocket Mortgage, LLC | 7 | $2.2M | $314K | 57.1% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $2.6M | $442K | 100.0% |
| Barrington Bank & Trust Company, National Association | 5 | $3.5M | $695K | 60.0% |
| THE LOAN STORE, INC. | 5 | $2.0M | $395K | 80.0% |
| TrailWest Bank | 5 | $1.8M | $357K | 80.0% |
| ENVOY MORTGAGE, LTD | 5 | $1.6M | $313K | 60.0% |
| Citadel Servicing Corporation | 3 | $2.6M | $858K | 66.7% |
| JPMorgan Chase Bank, National Association | 3 | $1.2M | $405K | 100.0% |
| CV3 Financial Services, LLC | 2 | $5.4M | $2715K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $1.9M | $970K | 50.0% |
| Triad Bank | 2 | $1.7M | $850K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $1.5M | $740K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $1.4M | $680K | 100.0% |
| Charles Schwab Bank, SSB | 2 | $1.3M | $650K | 100.0% |
| NEWREZ LLC | 2 | $1.0M | $495K | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.8M | $375K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.7M | $370K | 50.0% |
| PlainsCapital Bank | 1 | $4.8M | $4755K | 100.0% |
15 Montana loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Flathead County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Flathead County CSV, all 25 lenders
What Flathead County's table can't show you: fit. Short-term financing is exempt from HMDA, so Flathead County's fix-and-flip and bridge lenders barely appear among its 71 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 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 Flathead County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Flathead County |
|---|---|---|---|
| Missoula County, MT | 134 | 48 | Borders Flathead County |
| Kootenai County, ID | 287 | 78 | About 130 miles away |
| Cascade County, MT | 138 | 41 | About 140 miles away |
| Spokane County, WA | 635 | 118 | About 160 miles away |
Run the coverage test on your Flathead County, Montana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Flathead 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 — Flathead County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 191 loans: 2025 HMDA loan-level data rolled up to Flathead County.
- Flathead County investor-lender dataset (CSV) — All 25 lenders in the Flathead County, Montana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Flathead 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 Flathead County, MT.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Flathead 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.