DSCR Financing in VA

DSCR Loans in Virginia

Hampton Roads military rentals, Richmond BRRRR inventory, and NoVA federal-worker appreciation. Virginia covers a full investor spectrum in one bipolar state.

Local Market Context

Investor Markets in Virginia

Richmond

The state capital with affordable SFRs, active BRRRR scene, and steady tenant demand.

Norfolk / Virginia Beach

Hampton Roads military tenant base with strong BAH-backed rentals.

Northern Virginia (Fairfax / Arlington)

DC-metro appreciation play with federal-worker tenants.

Roanoke

Southwest VA cash-flow market with affordable entry and stable workforce.

Charlottesville

University of Virginia rentals and premium student housing.

Common Properties

What Investors Finance in Virginia

✓Richmond Class B/C SFRs and BRRRR inventory
✓Hampton Roads military-tenant SFRs
✓NoVA DC-commuter appreciation SFRs
✓Charlottesville UVA student housing
✓Roanoke cash-flow SFRs
✓Section 8 inventory in Richmond and Norfolk

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Virginia

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in Virginia. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

Virginia DSCR FAQ

Does Get Brick Capital offer DSCR loans in Virginia?

Yes. Virginia is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Virginia?

Yes. Program 7 can be available in Virginia for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Virginia DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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