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DSCR Rental Loans · Virginia

DSCR rental loans in Virginia — qualify on the rent.

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.

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+)

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.
What is the minimum DSCR in Virginia?
As low as 0.50, with interest-only options available. We size the loan against the property's rent versus its payment, taxes, and insurance.
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.
How fast can Mortava close a DSCR loan in Virginia?
Virginia DSCR purchases and refinances typically close in 21–30 days. Quotes use a soft inquiry only — no hard credit pull.
DSCR rental loans by state
DSCR in AlabamaDSCR in AlaskaDSCR in ArizonaDSCR in ArkansasDSCR in CaliforniaDSCR in ColoradoDSCR in ConnecticutDSCR in DelawareDSCR in FloridaDSCR in GeorgiaDSCR in HawaiiDSCR in Idaho
All DSCR programs → Fix & Flip financing → Instant quote & pre-qualify →