Genesis Capital for Virginia investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How Genesis Capital positions in Virginia
Virginia is well covered by national DSCR lenders, with Genesis Capital as one option. Where Genesis Capital differentiates: large transaction capacity. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Virginia
Genesis Capital provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital program terms apply uniformly across Virginia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
Genesis Capital strengths in Virginia
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Virginia. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within Genesis Capital national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. Genesis Capital typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Richmond matters for property selection.
Genesis Capital applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk all qualify for the same Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Virginia.
Virginia allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
For Virginia DSCR borrowers, Genesis Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.