Genesis Capital for West Virginia investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How Genesis Capital positions in West Virginia
For West Virginia specifically, Genesis Capital fits investors who match the hard money approach. The high cash flow profile of West Virginia aggregate makes it a target market for Genesis Capital.
City-level coverage in West Virginia
Genesis Capital 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. Genesis Capital 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 | 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
Genesis Capital strengths in West Virginia
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including West Virginia. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Charleston is the top investor market in West Virginia and falls within Genesis Capital national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. Genesis Capital 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 Genesis Capital. Submarket variation within Morgantown matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
West Virginia deep cash flow market. Low entry prices. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in West Virginia.
West 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
Genesis Capital 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 Genesis Capital.