DSCR Loans in Virginia Beach, VA
Find lenders offering dscr loans in the Virginia Beach, including Norfolk, Newport News, Hampton, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Virginia Beach
42 lenders offering dscr loans in the Virginia Beach, VA area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Virginia Beach Commercial Real Estate Market
The Virginia Beach-Norfolk-Newport News metro, known as Hampton Roads, is a military-driven commercial real estate market shaped by Naval Station Norfolk (the world's largest naval base), the Port of Virginia, and a substantial tourism economy along the Oceanfront district. The Town Center of Virginia Beach has matured into a mixed-use urban core with Class A office towers, hotels, and retail that differentiates it from the traditionally suburban landscape. Industrial and logistics demand has accelerated with the Port of Virginia's expansion and the completion of the Hampton Roads Bridge-Tunnel widening project. Newport News and Hampton contribute shipbuilding and aerospace activity through Huntington Ingalls Industries and NASA Langley Research Center.
Key Economic Drivers
- ●Naval Station Norfolk, Joint Expeditionary Base Little Creek, and Langley Air Force Base military installations
- ●Port of Virginia expansion driving industrial and warehouse demand in Chesapeake and Suffolk
- ●Huntington Ingalls Industries shipbuilding operations in Newport News employing 25,000+ workers
- ●Tourism and hospitality along the Virginia Beach Oceanfront and resort corridor
Market Insight
The Port of Virginia's $1.4 billion expansion program has doubled its container capacity, spurring a wave of industrial and logistics facility development in the Chesapeake and Suffolk submarkets along the I-64 corridor.
DSCR Loans in Virginia Beach, Virginia
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Virginia Beach metro area, borrowers can access 42 lenders offering DSCR financing, including Norfolk, Newport News, Hampton, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
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