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Fix & Flip · Vermont

Fix & flip loans in Vermont — fund the deal, keep your cash.

Mortava fix & flip loans in Vermont: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Vermont is seasonal short-term-rental demand near ski resorts and tight Burlington inventory. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Burlington, Rutland, Montpelier and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Vermont project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Vermont projects with Mortava

In a market like Vermont, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Burlington, Rutland, Montpelier deals and recycle capital into the next project faster.

Vermont’s ski towns generate concentrated seasonal STR income, and Burlington’s tight inventory keeps year-round rents firm. Small state, distinct and dependable niches.

Top metros we fund
Burlington, Rutland, Montpelier
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Vermont

Not every Vermont flip has to sell. In short-term-rental markets like Burlington, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Vermont fix & flip loan FAQ

Can I get a fix and flip loan in Vermont?
Yes. Mortava funds fix & flip projects across Vermont, including Burlington, Rutland, Montpelier. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Vermont flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Vermont.
Do you fund first-time flippers in Vermont?
Yes — first-time flippers are welcome in Vermont with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Vermont?
Yes — a common Vermont exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Burlington.
Do you fund flips in Burlington and Rutland?
Yes — Burlington, Rutland, Montpelier and every other Vermont market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in Rhode IslandFlip in South CarolinaFlip in South DakotaFlip in TennesseeFlip in TexasFlip in UtahFlip in VirginiaFlip in WashingtonFlip in West VirginiaFlip in WisconsinFlip in WyomingFlip in Alabama
All Fix & Flip programs → DSCR loans in Vermont → Instant quote & pre-qualify →
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