LendingOne for Virginia investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How LendingOne positions in Virginia
Virginia is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Virginia
LendingOne 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. LendingOne 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, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
LendingOne strengths in Virginia
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Virginia. LendingOne is based in Boca Raton, FL and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within LendingOne national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. LendingOne 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 LendingOne. Submarket variation within Richmond matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Virginia.
Virginia allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For Virginia DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.