All Programs and Guides on Investor Loans Virginia
Every guide on this site, one screen. Program pages carry the mechanics; regional pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, the recordation and grantor tax stack, BRRRR seasoning timelines.
- Short-term rental loans: Airbnb and vacation-rental financing with honest income-documentation lanes.
- LLC + series LLC lending: close in the entity; due-on-sale rules; Virginia authorizes protected series.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Regional guides
- Northern Virginia: high prices, thin ratios, the DC-metro conforming ceiling.
- Richmond: Virginia's BRRRR and cash-flow market.
- Hampton Roads: the military and BAH-backed tenant base.
Virginia reference
- STR rules by city: the locality status table, verified July 2026.
- Rental property taxes: no reassessment cap, locality-set rates, the recording-tax stack.
- Landlord law: no rent control, the deposit cap, notice periods, nonresident registration.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City and county STR rules, tax figures, and filing fees change; verify current requirements with the locality, your CPA, or a Virginia real estate attorney before you buy. Loans are subject to buyer and property qualification.