Genesis Capital for Vermont investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How Genesis Capital positions in Vermont
For Vermont specifically, Genesis Capital fits investors who match the hard money approach. The low cash flow profile of Vermont aggregate makes it workable for Genesis Capital.
City-level coverage in Vermont
Genesis 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. Genesis 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, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
Genesis Capital strengths in Vermont
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Vermont. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Burlington is the top investor market in Vermont and falls within Genesis Capital national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. Genesis 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 Genesis Capital. Submarket variation within Montpelier matters for property selection.
Genesis 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Vermont.
Vermont allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
Genesis Capital 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 Genesis Capital.