LendingOne for West 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How LendingOne positions in West Virginia
For West Virginia specifically, LendingOne fits investors who match the hard money approach. The high cash flow profile of West Virginia aggregate makes it a target market for LendingOne.
City-level coverage in West Virginia
LendingOne 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. LendingOne 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, 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
LendingOne strengths in West Virginia
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including West Virginia. LendingOne is based in Boca Raton, FL and operates nationally.
Charleston is the top investor market in West Virginia and falls within LendingOne national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. LendingOne 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 LendingOne. Submarket variation within Morgantown matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
West Virginia deep cash flow market. Low entry prices. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in West Virginia.
West Virginia allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
West Virginia investors considering LendingOne should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.