DSCR Financing in VT

DSCR Loans in Vermont

Burlington student rentals and Stowe ski STRs. Vermont is a tiny, specialized DSCR market where ski-country AirDNA drives most deals.

Local Market Context

Investor Markets in Vermont

Burlington

The state's primary investor market with UVM rentals and strong long-term demand.

Stowe

Premier ski STR market with strong winter ADR and summer occupancy.

Killington

Large ski resort STR market with AirDNA-qualifying cabin and condo inventory.

Rutland

Affordable workforce housing with some of the cheapest entry in the state.

Common Properties

What Investors Finance in Vermont

✓Stowe and Killington ski-country STRs
✓Burlington SFRs and small multifamily
✓Rutland cash-flow SFRs
✓UVM student housing

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Vermont

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Not Available in This State

Program 7 is not available on properties in Vermont. Other Get Brick Capital programs may still be available in this state.

Program 3 cash-out in Vermont is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Vermont DSCR FAQ

Does Get Brick Capital offer DSCR loans in Vermont?

Yes. Vermont is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Vermont?

No. Program 7 is not available on properties in Vermont, although other Get Brick Capital programs may still be available.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Vermont DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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