Bridge Loan Secured by Vacation Rental Property in Winhall, VT
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This bridge loan is secured by a well-maintained single-family home owned by the borrowers free-and-clear in Winhall, VT, located near the popular Stratton Mountain Resort. The 4-bedroom property sits on a scenic lot and is actively operated as a short-term rental through Airbnb and VRBO. Loan proceeds will be used for business purposes.
Valued at approximately $1,100,000, the property supports a low 29% loan-to-value (LTV) on the $320,000 loan. The home’s year-round rental appeal and prime location offer strong collateral protection for this short-term financing.
Bridge Loan Secured by Vacation Rental Property in Winhall, VT Details
Structure
- Tax Document
- 1099-INT
- Offering Structure
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BPDNx
SENIOR BPDN - PROMISSORY NOTE SECURED BY COLLATERAL SECURITY AGREEMENTTHIS PROMISSORY NOTE IS SECURED BY THE ISSUER'S PLEDGE OF THE RELEVANT UNDERLYING COLLATERAL LOAN (AS DEFINED BELOW) TO THE LENDER (AS DEFINED BELOW) UNDER THE COLLATERAL SECURITY AGREEMENT AND PROMISSORY NOTE. HOWEVER, EXCEPT TO THE LIMITED EXTENT PROVIDED IN THE PROMISSORY NOTE WITH RESPECT TO THE UNDERLYING COLLATERAL LOAN, THIS NOTE IS NON-RECOURSE TO THE ASSETS, FUNDS AND ACCOUNTS OF YIELDI, LLC (THE "BORROWER", "COMPANY" OR "ISSUER") OR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, STOCKHOLDERS, PARENTS, OR SUBSIDIARIES EXCEPT TO THE EXTENT OF THE VALUE OF COLLATERAL LOAN NET PAYMENTS ACTUALLY RECEIVED IN RESPECT OF THE UNDERLYING BORROWER LOAN.
Example Return on Investment
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Why We Like This Opportunity
Bridge Loan Secured by Vacation Rental Property in Winhall, VT Highlights
This bridge loan is secured by a well-maintained single-family home owned by the borrowers free-and-clear in Winhall, VT, located near the popular Stratton Mountain Resort. The 4-bedroom property sits on a scenic lot and is actively operated as a short-term rental through Airbnb and VRBO. Loan proceeds will be used to provide limited cash-out for the borrower’s business.
Valued at approximately $1,100,000, the property supports a low 29% loan-to-value (LTV) on the $320,000 loan. The home’s year-round rental appeal and prime location offer strong collateral protection for this short-term financing.
About the Neighborhood
Winhall, VT is a picturesque mountain town in southern Vermont, best known for its proximity to Stratton Mountain Resort—one of the state’s premier ski and outdoor destinations. The area draws consistent interest from second-home buyers, outdoor enthusiasts, and vacation renters, supporting a resilient local real estate market.
With limited inventory and high demand for short-term rentals, properties in Winhall benefit from both lifestyle-driven value and strong income potential.
Why We Like this Opportunity
This loan is backed by a high-equity, income-producing vacation property in a sought-after New England destination. The borrower is a professional pilot and has an established track record of responsibly managing the home as a short-term rental.
With a 29% LTV and a clear exit strategy via conventional refinance and income generated from the property, this loan presents a low-risk opportunity with stable upside and minimal exposure.
Experienced Borrower
The borrower is a successful real estate investor in high-end real estate industry in Florida. He’s sold multiple Florida homes for over $2M+ and has a high net worth and strong liquidity.
Personal Guarantee
The Loans are personally guaranteed by the borrower, spouse, and all principals in the LLC. Additionally, the Sponsor and/or Guarantor are obligated to contribute monthly payments to maintain a tax and insurance reserve. Failure to adhere to reserve contribution requirements would lead to the triggering of a debt service and operating expense/shortfall guarantee.Investment Summary Of Bridge Loan Secured by Vacation Rental Property in Winhall, VT
Investors have an opportunity to invest in borrower payment dependent notes, the cash flow of which is dependent on the payment of interest and principal repayment on the Loans. Investors are scheduled to receive an annualized monthly interest payment of Login for details over the Loans' estimated remaining term of 12 Months. Principal is expected to be returned on or before maturity through a refinancing with a traditional bank loan. It is important to note that the Loans are eligible for prepayment, and principal may be repaid prior to the 12 Months estimated remaining term. If the Loans are paid off before maturity, investors are expected to receive at least three months of interest payments in addition to return of principal.
How Do I Get Paid?
This loan had an initial term of 12 Months with an option at Yieldi's discretion to extend. As of May 8, 2025 there are 12 Months remaining. Investors will immediately receive monthly interest payments at an annualized rate of Login for details on the principal balance over the life of the loan. If you invest in this loan in the middle of a month, you will receive a prorated interest payment for your investment for your first investment month and then full monthly payments thereafter. All payments are made automatically via ACH on the 1st of each month and investors all paid by the 10th of the month.
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