Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

Loan Daddy LLC (NMLS #2827624): Loan Daddy LLC (NMLS #2827624) — Strictly Business-Purpose Investor Financing Only (DSCR, Hard Money, Private Money, Fix & Flip, Multifamily) for Non-Owner-Occupied Investment Properties. Not Available for Consumer Primary Residences.

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Vermont (VT) · Judicial (Strict Foreclosure or Judicial Sale) Foreclosure · 2026 DSCR Desk

Vermont DSCR Loans — 80% LTV & 2026 Investor Underwriting Guidelines

Vermont DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Vermont (VT) up to 80% Purchase LTV and 75% Cash-Out LTV across 30-year fixed, ARM, and interest-only wholesale shelves with zero personal tax returns. At the Vermont median 1–4 unit price of $385,000 and Form 1007 rent of $2,850/mo (1.83% property tax, $470/$100K hazard insurance), an illustrative 75% LTV scenario models at 1.09x DSCR ($2,611/mo modeled PITIA).

Median 1–4 Unit Price
$385,000
75% LTV: $288,750
Median Form 1007 Rent
$2,850/mo
Modeled DSCR: 1.09x
VT Effective Tax Rate
1.83%
~$587/mo Tax Escrow
Security Instrument
Judicial (Strict Foreclosure or Judicial Sale)
Avg Timeline: 200–270 days days

All 10 Investor Loan Programs in Vermont (VT)

Vermont DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · Wholesale Par-to-Premium Pricing (Scenario Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Vermont Hard Money Loans
Up to 85%–90% LTC / 75% ARV · Asset-Based Interest-Only Wholesale Pricing
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Vermont Private Money Loans
Up to 80% LTV / 85% LTC · Private Debt-Fund Interest-Only Pricing
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Vermont Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · RTL Rehab Interest-Only Wholesale Pricing
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Vermont Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · Transitional Bridge Interest-Only Pricing
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Vermont Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · Interest-Only on Drawn Construction Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Vermont Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · Permanent 30-Yr Fixed & Value-Add Bridge Shelves
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Vermont Commercial Property
Up to 75% LTV · Commercial Non-QM & Portfolio Wholesale Pricing
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Vermont Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · Short-Term Rehab Bridge -> 30-Yr DSCR Takeout
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Vermont Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 30-Yr Fixed, 10-Yr IO & 40-Yr IO Wholesale Shelves
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Top Vermont Investment Cities

Burlington, VT
Vermont DSCR Loans (2026) — 80% LTV & VT Underwriting Guide | Private Money Loan App — Instant LTC/ARV Underwriting & Same-Day Proof of Funds Letter