---
canonical_url: https://lendb.ai/s/dscr/montana
last_verified: 2026-10-09
---

# DSCR loan officers in Montana

As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Montana whose lender pages show DSCR loan work. The top-ranked is Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)

## Questions to ask

- What minimum DSCR do you require, and how do you calculate rent?
- Can I close in an LLC?
- What prepayment penalty options do you offer?

Cite as: LenDb.ai, https://lendb.ai/s/dscr/montana.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._