Vermont DSCR Loan Calculator
Screen a Vermont rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Vermont; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Vermont DSCR assumptions
The calculator seeds Vermont with a starting property value of $310,000.00, starting rent of $1,250.00, annual property tax based on a 1.51% effective rate, and estimated annual insurance of $849.00.
STR note: No statewide restrictions. Stowe and other ski/resort towns have STR regulations. Burlington has considered STR limits. Ski town STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Burlington/Chittenden County (largest, most liquid Vermont market, UVM anchor, hybrid). Rutland/Rutland County (most affordable VT market, cash flow, ski proximity). Barre-Montpelier/Washington County (state capital area, government stability, cash flow). Stowe/Lamoille County (premier ski/resort market, STR premium, appreciation). Brattleboro/Windham County (southern VT, remote worker appeal, cash flow + hybrid).
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