LendingOne for Vermont investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How LendingOne positions in Vermont
For Vermont specifically, LendingOne fits investors who match the hard money approach. The low cash flow profile of Vermont aggregate makes it workable for LendingOne.
City-level coverage in Vermont
LendingOne provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne 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, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
LendingOne strengths in Vermont
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Vermont. LendingOne is based in Boca Raton, FL and operates nationally.
Burlington is the top investor market in Vermont and falls within LendingOne national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. LendingOne typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Montpelier matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Vermont.
Vermont allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
LendingOne 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 LendingOne.