New Silver for Vermont investors
New Silver is a tech-forward non-QM lender with fast underwriting and accessible minimum loan sizes that suit newer investors.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How New Silver positions in Vermont
Within Vermont, New Silver competes alongside other DSCR lenders. New Silver strengths: tech-driven fast underwriting, low minimum loan sizes. The low aggregate DSCR economics of Vermont create demand for New Silver programs in Burlington and Montpelier particularly.
City-level coverage in Vermont
New Silver provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. New Silver 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 |
| Loan size | $100K - $3.0M |
| Rates | 9.5%-11.75% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 5-14 days typical |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
New Silver strengths in Vermont
- tech-driven fast underwriting
- low minimum loan sizes
- BRRRR-friendly
Ideal borrower: Newer-to-mid investor with smaller deal sizes
FAQ
Yes, operates nationally including Vermont. New Silver is based in West Hartford, CT and operates nationally.
Burlington is the top investor market in Vermont and falls within New Silver national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. New Silver typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from New Silver. Submarket variation within Montpelier matters for property selection.
New Silver 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 New Silver program.
New Silver indicative DSCR rate range is 9.5 to 11.75 percent with 1 to 3 points.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. New Silver follows standard business-purpose loan structures.
New Silver funds fix-and-flip, BRRRR, rental, bridge in Vermont.
Vermont allows standard DSCR prepay structures; New Silver typically uses 3-5 year step down.
New Silver typical close: 5-14 days typical.
Bottom line
For Vermont DSCR borrowers, New Silver is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with New Silver.