🤔🤔🤔 Are Prepayment Penalties Allowed on DSCR Loans in Montana?

☑️ ☑️☑️Yes, Prepayment Penalties are Fully Allowed with no restrictions for DSCR Loans in Montana. The Montana Regulation of Mortgage Loan Originators Act (MCA § 32-9-103) defines mortgage loans for consumer protection purposes as loans made "primarily for personal, family, or household use." DSCR Loans, by definition, are used exclusively for investment purposes and are thus not subject to these consumer-focused limitations. As such, DSCR Lenders can typically offer all standard prepayment penalty options such as Descending Prepay Penalties (i.e. "5/4/3/2/1"), Flat Prepay (i.e. 5/5/5/5/5) or other tailored structures in the Treasure State.

FULL Complete 2026 Guide To DSCR Loan Prepayment Penalties

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