Conventus for Vermont investors
Conventus is a direct DSCR lender with a short-term rental underwriting focus, licensed in California plus 44 other states (45 total). The company does not publish minimum credit score, DSCR, loan size, or rate figures in the sources reviewed; borrowers should request current terms directly.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How Conventus positions in Vermont
For Vermont specifically, Conventus fits investors who match the hard money approach. The low cash flow profile of Vermont aggregate makes it workable for Conventus.
City-level coverage in Vermont
Conventus provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Conventus program terms apply uniformly across Vermont metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR, STR DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
Conventus strengths in Vermont
- Short-term rental DSCR underwriting focus
- Direct lender
- Licensed in California plus 44 other states (45 total)
Ideal borrower: Short-term rental investor seeking a DSCR lender that specializes in STR underwriting.
FAQ
Yes, operates nationally including Vermont. Conventus is based in an undisclosed location and operates nationally.
Burlington is the top investor market in Vermont and falls within Conventus national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. Conventus typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from Conventus. Submarket variation within Montpelier matters for property selection.
Conventus 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 Conventus program.
Conventus does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. Conventus follows standard business-purpose loan structures.
Conventus funds rental DSCR, STR DSCR in Vermont.
Vermont allows standard DSCR prepay structures; Conventus typically uses 3-5 year step down.
Conventus typical close: Not publicly published.
Bottom line
Conventus in Vermont works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Conventus.