Easy Street Capital for Vermont investors
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income). Excludes North Dakota, South Dakota, Minnesota, Nevada, and New York; offers same-day term sheets.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How Easy Street Capital positions in Vermont
Within Vermont, Easy Street Capital competes alongside other DSCR lenders. Easy Street Capital strengths: STR-DSCR program with projected income underwriting, fast tech-driven origination. The low aggregate DSCR economics of Vermont create demand for Easy Street Capital programs in Burlington and Montpelier particularly.
City-level coverage in Vermont
Easy Street Capital provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital 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, rental, bridge, STR-friendly DSCR |
| Loan size | $75K - $2.0M |
| Rates | 5.75%-11.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
Easy Street Capital strengths in Vermont
- STR-DSCR program with projected income underwriting
- fast tech-driven origination
- experienced borrower programs
Ideal borrower: Investor with STR or BRRRR focus needing flexible underwriting
FAQ
Yes, operates nationally including Vermont. Easy Street Capital is based in Austin, TX and operates nationally.
Burlington is the top investor market in Vermont and falls within Easy Street Capital national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. Easy Street Capital typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Montpelier matters for property selection.
Easy Street Capital 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 Easy Street Capital program.
Easy Street Capital indicative DSCR rate range is 5.75 to 11.5 percent with 1 to 3 points.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Vermont.
Vermont allows standard DSCR prepay structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
Vermont investors considering Easy Street Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.