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Montana · Ground-up construction

Ground-Up Construction Loans in Montana

Finance the lot and 100% of the build for Montana spec homes, build-to-rent and infill projects, with draws as you build, 12–24 month terms and instant pricing across our construction lenders.

LeverageUp to 90% LTC
Build budget100% in draws
Term12–24 months
Loan size$100K–$50MM
Montana Ground-up constructionUp to 90% LTC · 100% in draws2,000+ capital partners

Ground-Up Construction Loans in Montana

Win-Win Capital Funding finances ground-up construction across Montana, from single spec homes and build-to-rent townhomes to apartments, mixed-use and commercial projects, through our construction lenders and more than 2,000 capital partners.

Montana ground-up construction loans programs

ProgramLeverageTerm / notes
1–8 unit residentialUp to 85% LTC (2–4 builds) / 90% (5+), max 75% of ARV12–24 mo interest-only
Build budget100% held backReleased in inspected draws
Land you ownLand equity creditedPays off land debt
Apartments, mixed-use, commercialVaries by projectConstruction to perm options

What we finance in Montana

  • Spec homes and luxury single-family
  • Build-to-rent homes and townhomes
  • Infill lots, duplexes and small multifamily
  • Apartments (9+ units), mixed-use and subdivisions
  • Commercial ground-up projects
  • Refinance of land you already own

Areas we serve in Montana

  • Billings
  • Bozeman
  • Great Falls
  • Helena
  • Missoula

We also lend in suburban, rural and resort markets throughout Montana.

More Montana financing

Fix & flip loans in Montana · Hard money in Montana · RV park financing in Montana · Business HELOC in Montana · Business second mortgage in Montana · DSCR Loans in Montana · Bridge Loans in Montana · SBA 7(a) Loans in Montana

Investors in nearby states can see Ground-Up Construction Loans in Idaho, Ground-Up Construction Loans in Wyoming, Ground-Up Construction Loans in South Dakota, Ground-Up Construction Loans in North Dakota.

Terms are representative and subject to underwriting, appraisal, builder experience and state availability. Construction loans are business-purpose loans. This is not a commitment to lend.

Questions

Ground-Up Construction Loans in Montana: FAQ

How much can I borrow on a Montana construction loan?

Up to 85% of total cost (lot plus construction) with 2–4 completed builds and up to 90% with 5 or more, capped at 75% of the after-completion value. 100% of the construction budget is funded in draws.

What experience do Montana construction lenders want?

Typically at least 2 completed ground-up builds in the last 5 years and a 680+ credit score. First-time builders can still submit a scenario, which we place case by case.

How do construction draws work in Montana?

The build budget is held back at closing. As work is completed you request a draw, an inspector verifies it, and funds are released. You pay interest only on what's been drawn.

Can I refinance a finished Montana build into a rental loan?

Yes. Sell the finished home or refinance into a 30-year DSCR rental loan to hold it.

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