Backflip for Vermont investors
Backflip combines hard money lending with deal-analysis tools — particularly useful for newer investors wanting integrated underwriting support.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How Backflip positions in Vermont
The Vermont lender pool for DSCR includes Backflip among the active platforms. Vermont top metros (Burlington, Montpelier, Vermont) see meaningful Backflip loan volume.
City-level coverage in Vermont
Backflip provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Backflip program terms apply uniformly across Vermont metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, bridge |
| Loan size | $50K - $2.5M |
| Rates | 9.99%-11.99% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12 months |
| Typical close time | 5-10 days typical |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
Backflip strengths in Vermont
- tech-forward
- deal analysis tools
- newer investor friendly
Ideal borrower: Newer investor needing deal analysis tools alongside financing
FAQ
Yes, operates nationally including Vermont. Backflip is based in Denver, CO and operates nationally.
Burlington is the top investor market in Vermont and falls within Backflip national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. Backflip typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from Backflip. Submarket variation within Montpelier matters for property selection.
Backflip applies the same rate sheet across Vermont metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Burlington, Montpelier, and Vermont all qualify for the same Backflip program.
Backflip indicative DSCR rate range is 9.99 to 11.99 percent with 1 to 3 points.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. Backflip follows standard business-purpose loan structures.
Backflip funds fix-and-flip, BRRRR, bridge in Vermont.
Vermont allows standard DSCR prepay structures; Backflip typically uses 3-5 year step down.
Backflip typical close: 5-10 days typical.
Bottom line
Vermont investors considering Backflip should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Backflip.