Vermont Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fund your next Vermont flip or BRRRR with up to 95% LTC plus 100% of rehab — from Greater Burlington to Rutland, Montpelier and the ski country.
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Vermont investment-property specialists
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change, deal-dependent) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Statewide across all 14 Vermont counties |
A Vermont fix and flip loan funds the purchase and renovation of an investment property on the asset, not your income. Burlington’s strong, supply-constrained market and Vermont’s deep four-season tourism create solid value-add and short-term-rental upside, while Rutland and Barre offer more accessible cash-flow plays.
This page is the Vermont statewide overview. Drill into any market for street-level comps, neighborhood detail, and city-specific programs using the Vermont city links below.
Our Vermont fix and flip program funds the full spectrum of business-purpose real estate — not just single-family:
Single-family, townhomes, condos, and 2-4 unit — the core of most Vermont flips.
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Retail or office over residential and live-work buildings.
Renovate-to-STR in Vermont tourist markets, then keep or sell.
Select commercial and small mixed-asset deals, case-by-case.
Warrantable and many non-warrantable attached product.
Estimate your loan, cash to start, holding cost, and net profit. We fund up to 95% of purchase and 100% of rehab, capped at roughly 70-75% of ARV. Illustrative only — final terms use an appraisal and underwriting.
Illustrative only; not a commitment to lend. Rates, points, and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Planning to Buy, Rehab, Rent, Refinance, Repeat? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
Vermont BRRRR pencils in Rutland, Barre and Montpelier where bases are accessible. Fund the buy and 100% of rehab, rent it, then refinance into a 30- or 40-year DSCR loan.
The exit is the easy part. Once your Vermont property is renovated and rented, refinance out of the short-term flip loan into an easy 30- or 40-year amortized DSCR loan — with no additional income docs, no tax returns, and no W2s required. We qualify on the property’s rental income, not your personal income, so a strong-cash-flowing rental refinances cleanly even if you’re self-employed or already carry multiple mortgages.
Every Vermont metro has pockets where flips and rentals pencil. These are the corridors Vermont investors target most for value-add and reposition-to-rent (always confirm current comps):
the Old North End, Winooski and South Burlington for value-add.
Vermont’s most affordable value-add market.
central-Vermont cash flow.
southern-Vermont reposition.
fast-growing northern-Vermont town.
Killington and Stowe-adjacent STR conversions.
Vermont markets reward renovate-to-short-term-rental plays (verify local STR rules):
Beyond the established metros, these Vermont markets are drawing investor attention for affordability, growth, and room to force value:
Value-add frontier.
Dense reposition upside.
Most affordable VT value.
Central-Vermont cash flow.
Fast northern-VT growth.
Southern-VT reposition.
Representative 2026 indicators for underwriting context — confirm current figures per deal:
| Feature | CambridgeHomeLoan | Typical Vermont flip lenders |
|---|---|---|
| Purchase leverage | Up to 95% LTC | 80-90% |
| Rehab funding | 100% of rehab | Often 90-100%, capped |
| Rates from | 8.90% (STC), 1-3 points | ~10-12%+, 2-4 points |
| Min FICO | From 620 | Often 660-680+ |
| Property types | 1-4, 5+ MF, mixed-use, STR, commercial | Often 1-4 only |
| Exit support | In-house 30/40-yr DSCR refi | Flip-only |
| Funding speed | As fast as 5-10 days | 2-3+ weeks |
“Typical” reflects terms commonly advertised across the fix and flip market as of 2026, subject to change — general ranges, not the terms of any single lender.
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Income docs | None — asset-based, business-purpose only |
| Borrower | No maximum number of properties · LLC, first-time investors & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
A fix and flip loan is one tool — pair it with the right acquisition or exit program:
Fast asset-based capital for any Vermont investment purchase.
Bridge the gap between buying and your sale or refinance.
The full buy-rehab-rent-refinance-repeat program.
30- or 40-year rental refinance to complete your BRRRR exit.
5+ unit value-add and reposition financing.
Ground-up investor construction across Vermont.
Explore city-level programs, neighborhoods, and local deal examples:
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, as long as the total stays within roughly 70-75% of the after-repair value (ARV).
Yes. Rehab is funded in full and reimbursed through inspected draws as the work is completed.
FICO from 620. Stronger credit and flip experience can improve your rate, leverage, and points.
Yes — we fund renovate-to-STR projects near Stowe, Killington and the ski resorts, then help you exit to a 30- or 40-year DSCR loan.
Greater Burlington, Rutland, Barre, Montpelier, Bennington and every county statewide.
Yes. When the rehab is done and the property is rented, do an easy refinance into a 30- or 40-year amortized DSCR loan with no additional income docs, tax returns, or W2s required, then repeat. The loan qualifies on the property’s rent, not your personal income.
With a clean title and an appraisal ordered, many Vermont fix and flip loans close in as few as 5-10 days.
Whether it’s your first flip or your fiftieth, get a fast, no-obligation quote. Fill out the 60-second form for a same-day term sheet — up to 95% LTC plus 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs. No maximum number of properties, so scale as fast as your deals close.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
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