MoFin Lending for Vermont investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How MoFin Lending positions in Vermont
Vermont is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Vermont
MoFin Lending provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| 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% |
MoFin Lending strengths in Vermont
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Vermont. MoFin Lending is based in an undisclosed location and operates nationally.
Burlington is the top investor market in Vermont and falls within MoFin Lending national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. MoFin Lending typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Montpelier matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Vermont.
Vermont allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
MoFin Lending 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 MoFin Lending.