Investment property lenders in Vermont

We specialize in DSCR, HARD MONEY, FHA and CONVENTIONAL LOANS. New and experienced investors! Investors don't lose deals on the offer — they lose them when financing falls apart, and Mamba closes the deals other shops walk away from. 50+ lender relationships across DSCR, hard money, fix-and-flip, rental portfolio, bank statement, conventional, and FHA — from your first house-hack to your tenth rental, you don't swap brokers to keep building. We know which lender says yes, we move fast, and we pick up the phone.

We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders.

Cap One Lending – 5-Star Rated, Investor-Focused Financing Cap One Lending is a veteran-owned, 5-star rated direct lender specializing in Hard Money Fix & Flip, Fix & Rent / BRRRR, and DSCR Rental Loans (short & long term)—plus FHA, VA, USDA, and Conventional mortgages for primary and secondary homes. We’re built for investors: fast decisions, flexible loan programs, and decades of experience helping clients grow their portfolios. Whether you’re buying, refinancing, or pulling cash out, we’re here to help you close more deals and scale with confidence. Why Investors Choose Us Direct lending decisions – no middlemen Investor-friendly products – maximize leverage and ROI Responsive team – quick answers and smooth closings Key Lending Criteria Minimum Loan Amounts: $75K for DSCR & Hard Money ($0 minimum on consumer loans) Minimum Credit Scores: 580 (USDA, VA, FHA), 620 (Conventional), 660 (DSCR/Hard Money) Property Types: 1–4 unit Leverage: Up to 100% USDA/VA/FHA • Up to 97% Conventional • Up to 90% LTC + 100% rehab for Fix & Flip/BRRRR • Up to 85% Rental Our Promise We combine speed, transparency, and creativity to help investors close faster, scale bigger, and earn more—every time.

We fund the deals banks won't touch: fix and flip, bridge, ground-up construction, and DSCR rental loans, nationwide. Send the address, purchase price, rehab budget, and ARV, and you get a real answer instead of a maybe. WHAT WE FUND Fix & Flip / Rehab: purchase plus rehab on one loan, short-term, built for investors who need to close fast and get to work. Bridge & Transactional: grab the deal now, refinance or sell later. New Construction: ground-up financing for spec builds and infill lots. DSCR Rental Loans: qualifies on the property's rent, not your W2 or tax returns. 1-4 units and small multifamily. The workhorse for BRRRR refis and portfolio scaling. Non-QM / Bank Statement: for self-employed borrowers that conventional underwriting keeps killing. Conventional & Government: when it is genuinely the cheaper answer, we will tell you. WHO WE WORK WITH First-time flippers who need someone to actually walk them through draws and timelines. Experienced operators scaling past the point where conventional financing stops working. Wholesalers who need a lender their end buyers will actually close with, and proof of funds letters that hold up. HOW WE WORK No tax returns and no DTI on our investor products. Underwriting looks at the deal, not your day job. You get a straight answer on structure. If the numbers do not work, we tell you why and what would make them work. We do not compete on being the cheapest quote on the internet. We compete on getting complicated deals closed. ABOUT KELLY Kelly Atchison, NMLS #1408085. Licensed mortgage loan originator with NEXA Mortgage and a licensed real estate agent, based in Denver, lending to investors nationwide. She also trains loan officers on investor and commercial lending, so the person structuring your deal teaches this for a living. Have a deal in front of you right now? Send the numbers through the contact form or call (720) 476-8776 and we will structure it.

Pimlico Capital provides real estate investors with a flexible and efficient process, quick turnaround times, and an unmatched personalized relationship. We offer short-term hard money loans for investment property acquisition and construction, as well as long-term no-doc DSCR cash-out and rate and term refinances.

QuestRock Home Loans helps real estate investors finance rental properties, fix-and-flips, bridge loans, and other non-QM opportunities with flexible solutions built for investors. We specialize in DSCR, short-term and long-term rentals, investment-property refinances and cash-out, rehab financing, foreign-national programs, and bank-statement financing for self-employed borrowers, including primary residences

At Absolute Home Mortgage we prioritize fast closings, accountable preapprovals, and proper communication throughout the entire transaction. Our loan officers are eager to help you reach your investment and home financing goals. Having the ability to access a wide variety of loan programs, we are able to help you find the right product that best suits your needs. Apply online or call today!

If you're looking for fast, reliable financing with competitive, aggressive terms, exceptional customer service, and consistent communication, we're the partner you need to get your transaction funded. With over 10 years of industry experience, we bring the knowledge, expertise, and drive to navigate the process efficiently. Our goal is to provide a smooth, transparent, and straightforward path from initial conversation to closing, ensuring you have the support and guidance needed to get your deal across the finish line.

Alex Miller Mortgage helps real estate investors finance rentals, flips, and growing portfolios with flexible DSCR, bank statement, and non-QM loans built around how investors actually earn. We specialize in the deals traditional banks turn down, including first-time and experienced investors, self-employed borrowers, and foreign nationals, with creative, AI-assisted underwriting that keeps your deal moving. We work hands-on with every client from first call to closing. It’s all hands on deck on every file. What we offer: ✓ Creative AI-Assisted Lenient Non-QM Underwriting ✓ DSCR & Bank Statement 2nds ✓ Lease to Qualify — 120% of 1007 ✓ DSCR Cash-Out to 80% ✓ Live Rent Free on DSCR Refi ✓ First-Time Homebuyer DSCR (with restrictions) ✓ No Seasoning C/O on New Value ✓ No Sourcing of Large Deposits ✓ No LTV Restriction for First-Time Investors ✓ Unlimited Cash-Out to 75% LTV ✓ DSCR No-Reserve Refi ✓ 3-Month Reserve for Purchase — That’s It ✓ P&L with No Bank Statements ✓ 85% DSCR to $1M ✓ Foreign National Cash-Out to 70% LTV (super easy qual) ✓ Take Higher Score of Bank Statement Borrower ✓ ITIN ✓ NY CEMA Whether you’re buying your first rental or scaling a portfolio, reach out and let’s structure your next deal.

At AnnieMac Home Mortgage, we believe there’s no such thing as a dead deal—only missed solutions. Our “No Deal Left Behind” approach helps investors secure financing others overlook. As a nationwide lender specializing in NonQM, Conventional, and Government programs, we’re built to solve complex scenarios. From our signature Cash2Keys Program to creative lending strategies, we take pride in finding a solution for every borrower.