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DSCR Rental Loans · Virginia

DSCR rental loans in Virginia — qualify on the rent.

Mortava DSCR loans in Virginia: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Virginia is stable military-anchored demand in Hampton Roads plus DC-adjacent appreciation. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Virginia Beach, Richmond, Norfolk and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Virginia term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Virginia rentals with Mortava

DSCR loans let Virginia investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Virginia Beach, Richmond, Norfolk, Arlington.

Hampton Roads’ military tenancy makes Virginia Beach and Norfolk unusually stable rental markets, while Northern Virginia adds a DC-driven appreciation play. Virginia offers two strategies with two different risk profiles.

Top metros we lend in
Virginia Beach, Richmond, Norfolk, Arlington
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

BRRRR in Virginia

Markets like Virginia Beach and Richmond are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

Virginia DSCR loan FAQ

Can I get a DSCR loan in Virginia?
Yes. Mortava lends on investment properties across Virginia, including Virginia Beach, Richmond, Norfolk, Arlington. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Virginia without W-2s or DTI.
What credit score do I need for a Virginia DSCR loan?
Most Virginia DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Virginia DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Virginia.
Do you lend on rentals in Virginia Beach and Richmond?
Yes — Mortava lends across Virginia Beach, Richmond, Norfolk, Arlington and every other Virginia market. DSCR loans are sized on each property's rent, so a Virginia Beach duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a Virginia rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Virginia Beach — not your personal income or where you live — so out-of-state investors close Virginia DSCR loans routinely.
DSCR rental loans by state
DSCR in South CarolinaDSCR in South DakotaDSCR in TennesseeDSCR in TexasDSCR in UtahDSCR in VermontDSCR in WashingtonDSCR in West VirginiaDSCR in WisconsinDSCR in WyomingDSCR in AlabamaDSCR in Alaska
All DSCR programs → Fix & Flip loans in Virginia → Instant quote & pre-qualify →
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