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Investment property lenders in Vermont

Browse 126 lenders who fund investment property in Vermont as of November 15, 2026. Compare DSCR, hard money, fix-and-flip and portfolio options, with NMLS numbers, specialties and markets served.

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All 126 lenders funding investment property in Vermont

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  • Express Capital Financing

    No NMLS on file

    35 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +4 more

    As one of the fastest-growing direct nationwide lenders in the industry, we specialize in providing both short-term and long-term asset-based loans. Our services are tailored to ensure that each investor's unique needs and goals are met in today's dynamic environment. We pride ourselves on our consultative approach, which involves understanding your specific needs and developing a solution that fits you like a glove. Our unique industry knowledge, integrity, and unwavering determination define us in every transaction, ensuring that your financial goals are not just met but exceeded. Welcome to a partnership where your success is our business.

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  • Magnolia Bank

    NMLS #423028

    33 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +6 more

    We specialize in DSCR loans for real estate investors and have years of experience helping investors finance rental properties and grow their portfolios. We understand every deal is a little different, so we take the time to understand what you’re trying to accomplish and help find a financing option that makes sense. DSCR, Bank Statement loans, Conventional, FHA, VA, and USDA financing, we have worked them all. Whether you’re just getting started or building a large portfolio, we want to be a resource you can come back to, not just for one deal, but for the long run.

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  • GoRascal Inc

    NMLS #2072896

    32 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +3 more

    We are a mortgage brokerage that combines the decades of experience of a more traditional mortgage company with the efficiency and drive of a start-up. We’re not your typical mortgage company. Our focus is on getting you the very best rate for your mortgage alongside you having the very best experience. And we stop at nothing for both. Mission: GoRascal delivers a mortgage experience that people remember and love. It’s barking up a different tree altogether—going above and beyond—from choosing, applying for, and ultimately closing on a loan that’s ideal for you. You’ll have an expert by your side and in your corner.

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  • Ridge Lending Group

    No NMLS on file

    32 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +14 more

    Ridge Lending Group provides world-class guidance and education on smart and measured lending to those seeking to build wealth through real estate investment. With our clients’ financial goals as the focus, we set them up for success by laying the foundation for future investment strategies and offering mortgage advice for life.

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  • First Western Federal Savings Bank

    NMLS #631666

    30 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +1 more

    We are a federally chartered FDIC insured bank making loans nationwide to investors purchasing non-owner occupied real-estate employing a “common sense” lending strategy that is unique today. We lend on single family dwellings, apartments, commercial buildings and income-producing ag land to investors buying or refinancing investment real-estate as individuals, LLC’s or their corporate entities. We also help investors leverage their current retirement plan assets to purchase real estate inside their self-directed IRA or 401(k). Since 2008, FWFSB has emerged as one of the nation’s leading non-recourse loan providers to self-directed retirement plans.

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  • Simplified Capital LLC

    NMLS #2574896

    29 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +9 more

    Simplified Capital is your trusted mortgage brokerage, dedicated to simplify the home financing process. With a focus on personalized service and competitive rates, we specialize in a range of loan options to meet diverse needs. Let us guide you to your dream home or investment goal with simplicity and clarity

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  • Convoy Home Loans.

    NMLS #2130517

    27 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)

    Nationwide mortgage lender for real estate investors only. Direct to funds on Wall Street for all products including but not limited to DSCR, bank statement, fix and flip, ground up, portfolio and asset utilization. Minimum Loan Amount - $150,000 Minimum Credit Score - 620

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  • The Mortgage Calculator

    NMLS #2377459

    27 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +13 more

    The Mortgage Calculator specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan program variations using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 450 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more! Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. A licensed Loan Officer is only a phone call or zoom meeting away and always available to assist borrowers throughout the loan application process all the way to closing. To apply for a mortgage please visit our Quick Mortgage Quote Page!

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  • Statewide Mortgage LLC.

    NMLS #1304

    5.0 (1) · BiggerPockets reviews25 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +7 more

    As an investor myself, with over 20 yrs of lending experience, I will work diligently to make sure you will have the best loan for your investment needs. Our passion combined with years of experience will make your typically stressful loan process quick, transparent, and even exciting. Our goal is to build a personal relationship with you to serve you in the best way possible.

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  • IMS Funding

    No NMLS on file

    22 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    Welcome to IMS Funding, we are a direct lender and broker based out of Austin Tx. We specialize in DSCR loans for traditional and vacation rentals. With years of experience, we will find you the best options for your strategy. As experts in non-QM lending, we specialize in connecting you with tailored financial solutions that align seamlessly with your investment goals. Whether you’re a seasoned investor expanding your portfolio or a first-time investor taking the plunge into real estate, our team is here to guide you through the intricacies of investment mortgages. Loan Options: DSCR: Long-term, short-term rentals and Padsplit(rent by the room). 1-4 unit properties. Up to 80% LTV on a purchase or rate and term refinance. Up to 75% on a cash-out refinance. Minimum credit: 660+ **can go lower with limitations. Minimum DSCR: 1.0 Minimum property value: $150K Fix & Flip: 1-4 unit properties. Up to 90% LTC with 100% Rehab for experienced investors. Up to 80% LTC with 100 Rehab with no experience. Minimum credit: 600 Minimum Loan amount: $100K Multifamily: Up to 10 units. Up to 75% LTV Minimum Credit: 660+ Minimum property value: $400K with $50K minimum per door Multifamily value-add bridge: Up to 85% LTC Minimum Credit: 680 Minimum Property value $500K

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Investment property loan types in Vermont

  • DSCR loans

    Qualify on the property's rental income rather than your own. Common for buy-and-hold investors with several properties or self-employed income.

  • Hard money

    Short-term, asset-backed, funded in days rather than weeks. Used for flips and deals that cannot wait for conventional underwriting.

  • Fix-and-flip loans

    Purchase plus rehab in one facility, drawn in stages as the work is signed off.

  • Portfolio loans

    One lender holds the loan rather than selling it on, so terms can bend to an investor's situation.

How to find a lender in Vermont

  • Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in Vermont

  • Ask in the BiggerPockets forums, where investors name the lenders they have actually closed with

  • Check the NMLS number on any lender before you share financial details

  • Attend a local Vermont meetup and ask who other investors use

Investment property financing, explained

What kinds of investment loans do Vermont lenders on BiggerPockets offer?

126 lenders serve Vermont as of November 15, 2026. 121 offer hard money, private or non-QM loans, which covers DSCR, fix-and-flip and bridge financing, and 66 offer conventional and government-backed loans. Each profile shows the loan types a lender makes and reviews from BiggerPockets members.

How do I check a lender is licensed in Vermont?

Search the lender’s name or NMLS ID on NMLS Consumer Access to see whether they’re licensed or registered in Vermont. Some private lenders making business-purpose loans don’t need an NMLS license. For those, check Vermont’s business registry or ask the lender what licensing applies to them.

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