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Private Lending in Virginia

Residential investment financing across Virginia’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Virginia

Virginia's real estate market centers on Northern Virginia's proximity to Washington, D.C. and federal employment. Arlington, Alexandria, and surrounding suburbs command $480,000+ premiums. Secondary markets like Roanoke and Richmond offer lower entry points ($260,000–$320,000) with steadier appreciation. Property taxes average 0.84%, and landlord laws are favorable.

The state's strong educational institutions, military presence, and government employment provide rental demand stability. For portfolio investors, Virginia's dual profiles—premium NoVA and value-oriented secondary markets—enable portfolio balance across cash flow and appreciation.

Lending Areas

Virginia Markets We Serve

We lend across Virginia’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Northern Virginia (Arlington/Alexandria) Richmond Roanoke Virginia Beach Charlottesville
Loan Programs

Available in Virginia

Every loan program we offer is available to qualified borrowers and properties in Virginia.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price
$370,000
Property Tax Rate
0.84%
Population Growth
1.1% annually
Annual Permits
~30,000 annually
Landlord Friendly
Yes
Top Yield Market
Roanoke
Strategies

What Works in Virginia Right Now

Northern Virginia Professional Rentals & Refinance

NoVA's federal employment and $480,000+ valuations limit DSCR cash-flow appeal (2–3% cap rates). Focus on acquisition-to-refinance cycles. Finance acquisitions with bridge; refinance into long-term DSCR with strong appreciation expectations.

Richmond Urban Revitalization & Bridge

Richmond's downtown revival and lower cost basis ($200K–$320K) create bridge opportunities. Finance acquisition and value-add. 10–15 month repositioning. Exit into refinance or institutional sale.

Roanoke Secondary Market Portfolio Stacking

Roanoke's lower cost ($180K–$260K) and stable rental demand support DSCR scaling. Acquire 5–8 properties. Cap rates of 6–7% despite low property taxes.

Questions

Frequently Asked Questions

What are Virginia's property tax rates?
Virginia property tax averages 0.84% of assessed value, competitive with regional peers. Arlington and Alexandria are higher (~1.2%). No state capital gains tax on long-term investment property sales.
Are there landlord-friendly eviction laws?
Virginia is landlord-friendly. Evictions require 5 days' notice for non-payment. Court proceedings typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.
Can landlords raise rents without restriction?
Yes. Virginia has no rent control. Landlords can set and raise rents freely, enabling predictable DSCR underwriting. However, Arlington and Alexandria have some local protections—check local rules.
What DSCR cap rates can I expect in Virginia?
Northern Virginia cap rates are 2–3% due to strong valuations. Richmond supports 4–5%. Roanoke supports 6–7% cap rates on lower-cost-basis properties. Vary strategies by market.
Other Markets

Also Lending In

Maryland Washington, D.C. West Virginia Kentucky Tennessee North Carolina

Start Your Virginia Investment

Our team has deep experience financing residential projects across Virginia. Reach out to discuss your next deal.

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