FundLoans for West Virginia investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How FundLoans positions in West Virginia
Within West Virginia, FundLoans competes alongside other DSCR lenders. FundLoans strengths: Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000), Broker-only origination. The high aggregate DSCR economics of West Virginia create demand for FundLoans programs in Charleston and Morgantown particularly.
City-level coverage in West Virginia
FundLoans provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across West Virginia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
FundLoans strengths in West Virginia
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct West Virginia coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Charleston is the top investor market in West Virginia and is generally within FundLoans states not publicly disclosed footprint. Charleston property tax follows the West Virginia state rate of 0.6 percent. FundLoans typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Morgantown matters for property selection.
FundLoans applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
West Virginia deep cash flow market. Low entry prices. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in West Virginia.
West Virginia allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
FundLoans in West Virginia works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.