LoanFunders for Vermont investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum loan size, rate, or state-coverage figures in the sources reviewed.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How LoanFunders positions in Vermont
Vermont is well covered by national DSCR lenders, with LoanFunders as one option. Where LoanFunders differentiates: 0.80 minimum DSCR floor (1.15 DSCR for best pricing). Where it competes: rates not publicly published against peer programs.
City-level coverage in Vermont
LoanFunders provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LoanFunders 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 |
| Loan size | $100K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
LoanFunders strengths in Vermont
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct Vermont coverage. LoanFunders is based in an undisclosed location and operates in states not publicly disclosed.
Burlington is the top investor market in Vermont and is generally within LoanFunders states not publicly disclosed footprint. Burlington property tax follows the Vermont state rate of 1.8 percent. LoanFunders typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from LoanFunders. Submarket variation within Montpelier matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders 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. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in Vermont.
Vermont allows standard DSCR prepay structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
For Vermont DSCR borrowers, LoanFunders is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LoanFunders.