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DSCR Rental Loans · West Virginia

DSCR rental loans in West Virginia — qualify on the rent.

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

West Virginia is the lowest prices in the East with high gross yields. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Charleston, Huntington, Morgantown 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 West 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 West Virginia rentals with Mortava

DSCR loans let West 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 Charleston, Huntington, Morgantown.

West Virginia has the lowest price points in the East, so gross yields in Charleston and Huntington run well above national averages. Morgantown’s university demand adds a stabilizing tenant base.

Top metros we lend in
Charleston, Huntington, Morgantown
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 West Virginia

Markets like Charleston and Huntington 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.

West Virginia DSCR loan FAQ

Can I get a DSCR loan in West Virginia?
Yes. Mortava lends on investment properties across West Virginia, including Charleston, Huntington, Morgantown. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in West Virginia without W-2s or DTI.
What credit score do I need for a West Virginia DSCR loan?
Most West 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 West 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 West Virginia.
Do you lend on rentals in Charleston and Huntington?
Yes — Mortava lends across Charleston, Huntington, Morgantown and every other West Virginia market. DSCR loans are sized on each property's rent, so a Charleston duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a West Virginia rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Charleston — not your personal income or where you live — so out-of-state investors close West Virginia DSCR loans routinely.
DSCR rental loans by state
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All DSCR programs → Fix & Flip loans in West Virginia → Instant quote & pre-qualify →
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