VERMONT (VT) WHOLESALE UNDERWRITING DESK · 1 MAJOR CITIES (50,000+ POP)

Vermont DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans

Vermont (VT) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Vermont utilize Judicial (Strict Foreclosure or Judicial Sale) security instruments, with an average non-homestead effective property tax rate of 1.83%, a median 1–4 unit investment home price of $385,000 (median rent $2,850/mo), and 5+ unit multifamily market rents averaging $1,650/door. Arranged by Loan Daddy LLC (NMLS #2827624).

SECURITY INSTRUMENT

Judicial (Strict Foreclosure or Judicial Sale)

EFFECTIVE PROPERTY TAX

1.83% Avg ($587/mo)

MEDIAN 1–4 UNIT PRICE & RENT

$385,000 · $2,850/mo

5+ UNIT MULTIFAMILY RENT

$1,650/door/mo

Vermont Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $385,000·Loan/Door: $288,750·Avg Rent/Door: $2,850/mo

Property Value / Purchase Price$385,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$2,850/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 111 bps · 7500 bps LTV · 6625 bps Rate

1.11x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$288,75028,875,000 _cents

Monthly P&I Debt Service$1,849/mo@ 6.625% Note Rate

Total Monthly PITIA$2,571/moTax: $587 · Ins: $135

Net Monthly Cash Flow+$279/mo$3,350/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,571/mo	1.11x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,619/mo	1.09x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,406/mo	1.18x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Vermont Cities with Population ≥ 50,000 (1 Market)

Click any Vermont city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:

City (VT)	County	2026 Est. Pop	Effective Tax Rate	Median 1–4 Unit Price	Median Monthly Rent	5+ Unit Rent/Door
Burlington, VT →	CHITTENDEN County County	50,100	1.83%	$345,000	$2,600/mo	$1,500/door

All 10 Loan Programs & 6 Unit Tiers in Vermont

DSCR Loans in VT →Hard Money Loans in VT →Private Money Loans in VT →Fix & Flip Loans in VT →Bridge Loans in VT →Ground-Up Construction in VT →Multifamily (5+ Units) in VT →Commercial Property in VT →Rehab & BRRRR Loans in VT →Cash-Out Refinance in VT →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)