DSCR Loans in Burlington, VT
Find lenders offering dscr loans in the Burlington, including South Burlington, Essex, Winooski, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Burlington?
42 lenders offering dscr loans in the Burlington, VT area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
What does the Burlington commercial real estate market look like?
Burlington is Vermont's largest city and its primary commercial hub, with a compact downtown centered on Church Street Marketplace and a waterfront district along Lake Champlain that supports tourism, hospitality, and mixed-use development. The South Burlington-Williston corridor along Shelburne Road and I-89 serves as the metro's suburban retail and office spine, anchored by the University Mall and corporate campuses for employers like Dealer.com (now Cox Automotive) and GlobalFoundries' semiconductor fabrication facility in nearby Essex Junction. The University of Vermont and UVM Medical Center together form the region's largest employer and drive steady demand for medical office, student housing, and research-related space. Limited developable land and Vermont's Act 250 environmental review process constrain new supply, keeping vacancy rates relatively low across asset classes.
Key Economic Drivers
- ●University of Vermont and UVM Medical Center as the metro's largest employer
- ●GlobalFoundries semiconductor fabrication plant in Essex Junction
- ●Church Street Marketplace and Lake Champlain waterfront tourism economy
- ●Vermont's growing craft food and beverage industry including Ben & Jerry's and Lake Champlain Chocolates
Market Insight
Vermont's Act 250 land use law subjects most commercial developments to rigorous environmental review, which constrains new supply and tends to support higher occupancy and rental rates for existing commercial properties in the Burlington metro.
How do dscr loans work in Burlington, Vermont?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Burlington metro area, borrowers can access 42 lenders offering DSCR financing, including South Burlington, Essex, Winooski, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Burlington FAQ
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