Skip to main content
✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Vermont DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Vermont investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Burlington, South Burlington, Colchester and the rest of Vermont. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Vermont?

Yes. DSCR loans in Vermont qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Vermont Rental Market Snapshot

State-level data DSCR underwriters use to size Vermont rental deals.

Median Home Price
$395K
Statewide single-family
Gross Rental Yield
5.0–7.0%
Annual rent / price
Eviction Timeline
60–90 days
tenant-friendly
Rate Adjustment
+0.125%
vs national baseline

Vermont is a small, niche DSCR market dominated by Burlington-Chittenden County (UVM + medical employment) at one end and ski-country STR (Stowe, Killington, Manchester) at the other. Investors who can underwrite seasonal STR vacancy carefully find strong year-round DSCR. Burlington's chronic housing shortage produces tight LTR vacancy rates.

Major Vermont Markets We Serve

Active DSCR deal flow across Vermont's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Burlington$465K4.5–5.5%Largest VT market, UVM/medical employment, chronic housing shortage
South Burlington$525K4.5–5.5%Burlington suburb, premium LTR pricing, strong schools
Colchester$425K5.0–6.0%Burlington suburb, family LTR demand, growing in-migration
Vermont investor note:Vermont has no statewide rent control. Burlington's University of Vermont and UVM Medical Center anchor stable LTR demand; ski-country STR (Stowe, Killington) produces strong seasonal DSCR.

Vermont Eviction Timeline & Landlord Posture

How Vermont courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
tenant-friendly
Typical Timeline
60–90 days
Rent Control
None / preempted

Vermont requires a 14-day notice for non-payment. Civil Division court hearings are typically scheduled 21–30 days after filing; mediation referrals can extend timelines.

Vermont Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Smaller state with tenant-friendly notice periods modestly increases lender loss severity.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Vermont

The non-bank DSCR programs we see most frequently funding Vermont rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Visio Lending
  • Lima One
  • Kiavi

PeerSense is independent, not a lender. Lenders listed are programs we have funded Vermont deals through; specific terms vary by file.

Vermont DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Vermont DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

How big is your deal?
Where are you in the deal?
Equity or down payment ready
Credit score
Timeline to close

Referral fee realized at closing · Or call (317) 452-6990

Related DSCR Resources