Private Lending in West Virginia

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

Market Overview

Investing in West Virginia

West Virginia offers among the nation's lowest acquisition costs ($130,000–$180,000 median) combined with minimal property taxes (0.58%). Charleston and surrounding areas drive state activity with steady rental demand from manufacturing and government employment. The state's business-friendly environment and landlord-friendly laws support portfolio operations.

Population growth is modest, reflecting regional economic challenges. For investors prioritizing cash flow and operational simplicity, West Virginia delivers compelling cap rates (8%+) and low carrying costs. The market suits buy-and-hold portfolios with long-term hold horizons.

Lending Areas

West Virginia Markets We Serve

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

Charleston Huntington Wheeling Parkersburg

Loan Programs

Available in West Virginia

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

Bridge Loans

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

Learn More

DSCR Rental Loans

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

Learn More

Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

Learn More

New Construction Loans

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

Learn More

Build to Rent Loans

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

Learn More

Key Data

Market Snapshot

Median Home Price

$155,000

Property Tax Rate

0.58%

Population Growth

-0.4% annually

Annual Permits

~2,500 annually

Landlord Friendly

Yes

Top Yield Market

Charleston

Strategies

What Works in West Virginia Right Now

Charleston DSCR Portfolio at Maximum Scale

Acquire 10–20 single-family rentals in Charleston ($80K–$150K). Cap rates of 8–10% with minimal property taxes and landlord-friendly laws. DSCR refinance into long-term hold. Build large portfolio on modest down payment.

Huntington Multi-Unit Fix & Hold

Huntington's lower cost basis ($70K–$120K per unit) supports multi-unit conversion. Acquire 2–4 unit properties. Light renovation. DSCR financing locks 8–10% yields.

Fix & Flip Pipeline for Investor Exit

Acquire distressed properties ($50K–$90K). Moderate renovation. 5–7 month flip cycles with bridge financing. Resale to owner-occupants or conversion to rental.

Questions

Frequently Asked Questions

What are West Virginia's property tax rates?

West Virginia property tax averages 0.58% of assessed value, among the lowest in the nation. This creates exceptional DSCR cash-flow returns (8%+). No income tax on retirement income.

Are there landlord-friendly eviction laws?

West Virginia is landlord-friendly. Evictions require 3 days' notice. Court proceedings typically conclude within 2 weeks. No just-cause requirement. Deposits and entry fees are permissive.

Can landlords raise rents without restriction?

Yes. West Virginia has no rent control. Landlords can set and raise rents freely, enabling predictable DSCR underwriting.

What rental income can I expect in West Virginia?

Charleston rentals range $550–$750/month on $80K–$150K properties. Multi-units support $450–$650/unit. Cap rates of 8–10% are common. Exceptional cash-flow market.

Other Markets

Also Lending In

Kentucky Virginia Maryland Pennsylvania Ohio

Start Your West Virginia Investment

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

Apply Now →