MULTIFAMILY (5+ UNITS) · Vermont (VT) Underwriting Matrix

Vermont Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) — 2026 Rates, LTV Caps & State Rules

Vermont Multifamily (5+ Units) provide business-purpose real estate investors with Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 Business Days close). In Vermont (VT), lenders underwrite to a Judicial (Strict Foreclosure or Judicial Sale) statutory framework (200–270 days-day average timeline), a 1.83% average property tax rate (~$587/mo at the $385,000 state median), and $470/$100K hazard insurance (~$151/mo).

Max Leverage / LTC

Up to 75%–80% LTV Purchase / 70%–75% Cash-Out

Min FICO: 660+ FICO

2026 Rate Band

6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)

30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge

VT Security Instrument

Judicial (Strict Foreclosure or Judicial Sale)

200–270 days days avg timeline

VT Avg Tax & Ins

1.83% Tax

$470/$100K Hazard Ins

How Multifamily (5+ Units) Work in Vermont (VT)

Multifamily loans through Loan Daddy LLC (NMLS #2827624) cover every apartment unit bracket—including 5–8 unit residential crossover DSCR, 5–9 and 5–10 unit small-balance apartments, 5–25 unit mid-market buildings, and 5+ unit commercial communities—offering both permanent 30-year fixed financing and value-add bridge-to-perm capital.

1. Vermont Median Benchmark

Median 1–4 unit price of $385,000 (75% LTV = $288,750) with Form 1007 rent of $2,850/mo and multifamily rent of $1,650/door.

2. Escrow & Title Underwriting

Vermont operates under a Judicial (Strict Foreclosure or Judicial Sale) regime (200–270 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (21 – 30 Business Days)

Close in your Vermont LLC or Delaware LLC registered in VT with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Vermont

Vermont DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Vermont Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Vermont Private Money Loans (Up to 80% LTV / 85% LTC)Vermont Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Vermont Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Vermont Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Vermont Commercial Property (Up to 75% LTV)Vermont Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Vermont Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))