Virginia DSCR Long-Term Rental Lenders
A list of private mortgage lenders offering long-term financing for Virginia rental homes, also known as LTR or DSCR loans. While most private lenders offer only short-term lending, less than 2 years, the lenders listed here offer terms up to 30 years for single family homes (SFR) and 2-4 unit residential properties.
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Funded DSCR Rental Loans in Virginia

DSCR Rental Purchase Loan for Single-Family Residence in Stafford, Virginia
$217,781
RCN Capital, a national direct private lender, funded a $217,781 1st lien position long-term rental loan for the acquisition of a single-family residence in Stafford, VA. We funded 62% of the $305,000 purchase price, while the Borrower contributed $38% cash at closing. The subject property was appraised for $352,000 As-Is and a collateral desktop appraisal (CDA) was ordered to confirm the appraised value. The Borrower had a mid-score of 724 and bank statements that reflected sufficient assets/liquidity. The total loan amount was 61.9% LTV & 71.4% LTC with a 1.11 DSCR. The property was in excellent condition, consisting of approximately 1,780 square feet set in a 2,935 square foot lot. The Borrower plans to hold the property as a long-term rental loan. The fixed interest rate was 7.5% with amortized payments. The loan term was set at 30 years. This DSCR rental loan was funded in December 2022.
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