MoFin Lending for Virginia investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How MoFin Lending positions in Virginia
For Virginia specifically, MoFin Lending fits investors who match the hard money approach. The medium cash flow profile of Virginia aggregate makes it workable for MoFin Lending.
City-level coverage in Virginia
MoFin Lending 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. MoFin Lending program terms apply uniformly across Virginia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
MoFin Lending strengths in Virginia
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Virginia. MoFin Lending is based in an undisclosed location and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within MoFin Lending national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. MoFin Lending 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 MoFin Lending. Submarket variation within Richmond matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Virginia.
Virginia allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Virginia investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.