HARD MONEY LENDER VERMONT

Yes, Loan Goat funds investor real estate throughout Vermont, including Burlington, South Burlington, Essex Junction, Rutland and Barre, plus the smaller towns across Chittenden, Rutland and Washington counties. We are a direct lender using in-house capital, which is why a small-market file gets the same attention as a metro one. Business purpose only, non-owner-occupied, and typically funded in 5 to 7 days.

Small multifamily is core Vermont business for us. A duplex or converted Victorian in the Old North End or the Hill Section qualifies through the rental property program on DSCR, or through bridge financing if you are buying vacant and stabilizing. Chittenden County rent rolls support the underwriting, and you can move from bridge into long-term debt without paying a penalty.

Nightly rental property near Killington, Stowe or Sugarbush works on bridge or rental property financing, depending where the asset sits in its life. Seasonal Vermont income patterns do not break the underwriting, because we read the property and the exit rather than a pay stub. Buyers in Rutland County and the Mad River Valley use bridge money to close quickly, then refinance.

No Vermont deal is too small. Loan sizes run from $150,000 up to $25,000,000 on business purpose bridge, and the lower end of that range is exactly where this state trades. A Barre granite-era duplex or a Rutland single-family flip is an ordinary file for us. The underwriting question is the property and the exit, never the ticket size or the zip code.

The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.

Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.