What is DSCR underwriting?

Debt Service Coverage Ratio underwriting qualifies the loan based on the property's rental income relative to its debt payment — not your personal income or tax returns.

Can I finance a portfolio of rentals?

Yes. Portfolio loans are available so you can finance or refinance multiple doors under a single loan with one closing and one payment.

Do you check my personal income or DTI?

No. DSCR loans skip personal-income and debt-to-income verification. The property's cash flow qualifies the loan, which is what lets investors scale past conventional limits.

What DSCR do I need to qualify?

Generally a DSCR of 1.0 or higher, meaning the rent at least covers the debt payment. Stronger ratios can unlock better pricing and higher leverage.

Can I refinance a flip into a rental loan?

Absolutely. Many investors use a fix and flip or bridge loan to acquire and renovate, then refinance into a long-term DSCR rental loan once the property is leased and seasoned.

Are short-term rentals (Airbnb) eligible?

Often yes. Short-term rental income can be used to qualify depending on the market and documentation. Send me the property and I will tell you how it underwrites.

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Rental Loans in Virginia

The lender behind Virginia’s most active investors. I fund rental deals across Virginia — Long-term DSCR financing that qualifies on the property, not your paycheck.

Apply For Rental Funding

24 Hrs
Close In As Little As: 90%
Max Loan-To-Value: 15+
Markets Served

Rental Loans For Virginia Investors

Long-term financing for investors acquiring or refinancing income-producing properties. Designed for stable cash flow and portfolio growth. Qualify on rental income with DSCR underwriting so the property pays for itself.

A DSCR rental loan is long-term financing for buy-and-hold investors that qualifies on the property's cash flow instead of your personal income. DSCR stands for Debt Service Coverage Ratio — the rent the property generates divided by its monthly debt payment. If the property covers itself, it qualifies. No W-2s, no tax returns, no debt-to-income headaches.

As a direct lender working across Virginia, I know the local markets — from Arlington, Chesapeake, Norfolk and beyond — and I underwrite on the deal, not red tape. If your rental numbers work, you get a same-day answer and funding fast enough to compete.

By The Numbers

Rental Rates & Terms in Virginia

The headline numbers for a rental loan in Virginia. Every deal is priced on its own merits — these are the guardrails.

Rental loan rates, terms, and loan-to-value in Virginia
Metric	Terms
Loan-to-Value	Up to 80%
Minimum DSCR	1.0
Term	Up to 30-year fixed
Structure	Interest-only options
Property	1–4 units, multi-family & portfolios
Income Docs	None (property qualifies)

Why It Works

Why Virginia Investors Choose This Loan

Qualified on rental income, not your paycheck
DSCR underwriting — property pays for itself
30-year terms available

Markets We Serve

Rental Loans Across Virginia

Arlington
Chesapeake
Norfolk
Portsmouth
Richmond
Virginia Beach

Proof Of Funding

Recent Rental Deals I've Funded in VA

Real Virginia closings, real investors — the same speed and asset-based terms are waiting for your next rental deal.

Rental
$345,000
Norfolk, VA
Single Family

See all closed loans

Rental Loan FAQs

What is DSCR underwriting?: Debt Service Coverage Ratio underwriting qualifies the loan based on the property's rental income relative to its debt payment — not your personal income or tax returns.
Can I finance a portfolio of rentals?: Yes. Portfolio loans are available so you can finance or refinance multiple doors under a single loan with one closing and one payment.
Do you check my personal income or DTI?: No. DSCR loans skip personal-income and debt-to-income verification. The property's cash flow qualifies the loan, which is what lets investors scale past conventional limits.
What DSCR do I need to qualify?: Generally a DSCR of 1.0 or higher, meaning the rent at least covers the debt payment. Stronger ratios can unlock better pricing and higher leverage.
Can I refinance a flip into a rental loan?: Absolutely. Many investors use a fix and flip or bridge loan to acquire and renovate, then refinance into a long-term DSCR rental loan once the property is leased and seasoned.
Are short-term rentals (Airbnb) eligible?: Often yes. Short-term rental income can be used to qualify depending on the market and documentation. Send me the property and I will tell you how it underwrites.

Other Loan Programs in Virginia

All lending in Virginia

Where We Lend

Rental Loans in Other States

All about Rental loans

Have A Virginia Deal?

Tell me about your rental project in Virginia and get a same-day answer. No application fee, no obligation, no nonsense.

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