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Virginia · Rental property loans

DSCR Loans in Virginia

Long-term rental loans for Virginia investors, qualified on the property's cash flow. No tax returns, W-2s or debt-to-income ratio, just the rent, the value and your credit.

PurchaseUp to 80% LTV
Cash-outUp to 75% LTV
Term30-year fixed
Income docsNone
Virginia DSCR rental loansUp to 80% LTV · Up to 75% LTV2,000+ capital partners

DSCR Loans in Virginia

Win-Win Capital Funding arranges DSCR loans across Virginia through more than 2,000 capital partners. Our DSCR engine compares multiple lenders at once, so Virginia investors see the best available rate for their credit, leverage and cash flow, whether they're buying their first rental or refinancing a portfolio.

Virginia dscr loans programs

ProgramMax leverageTerm / notes
PurchaseUp to 80% LTV30-year fixed; interest-only options
Rate/term refinanceUp to 80% LTV30-year fixed
Cash-out refinanceUp to 75% LTV30-year fixed
Short-term rental (Airbnb)Up to 75–80% LTVProjected or actual STR income
No-ratio / DSCR under 1.0Lower leveragePriced on credit and LTV

What we finance in Virginia

  • Single-family rentals, 2–4 unit properties, condos and townhomes
  • Short-term and vacation rentals
  • Purchases, rate/term refinances and cash-out refinances
  • BRRRR refinances after a rehab
  • LLC and corporate vesting
  • Portfolio and blanket loans for multiple rentals

Areas we serve in Virginia

  • Alexandria
  • Arlington
  • Norfolk
  • Richmond
  • Virginia Beach

We also lend in suburban, rural and resort markets throughout Virginia.

More Virginia financing

Fix & flip loans in Virginia · Hard money in Virginia · RV park financing in Virginia · Business second mortgage in Virginia · Bridge Loans in Virginia · Ground-Up Construction Loans in Virginia · SBA 7(a) Loans in Virginia

Investors in nearby states can see DSCR Loans in Maryland, DSCR Loans in West Virginia, DSCR Loans in Kentucky, DSCR Loans in Tennessee, DSCR Loans in North Carolina.

Terms are representative and subject to underwriting, appraisal and state availability. DSCR loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.

Questions

DSCR Loans in Virginia: FAQ

What credit score do I need for a DSCR loan in Virginia?

Most DSCR programs in Virginia start at 660–680. Higher scores get better rates and more leverage, and lower scores may qualify with less leverage.

What DSCR ratio do Virginia lenders want?

1.0 means the rent exactly covers principal, interest, taxes, insurance and HOA. 1.20–1.25 or higher gets the best pricing, and no-ratio programs are available when the rent doesn't cover the payment.

Can I use a DSCR loan for a short-term rental in Virginia?

Yes. Short-term rental DSCR loans use projected or actual short-term rental income. Check local Virginia city and HOA rules on short-term rentals before you buy.

Can I close a Virginia DSCR loan in an LLC?

Yes. LLC and corporate vesting is standard on DSCR loans, which are business-purpose loans on non-owner-occupied property.

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