DSCR Loans in Virginia Beach city, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 157 lenders made 770 investment-property loans in Virginia Beach city, 5.9% of Virginia's total. Dominick Prevete arranges DSCR loans across Virginia Beach city, Virginia, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $350,000.
Virginia Beach city investor market at a glance
| Statistic | Virginia Beach city | Virginia | County rank |
|---|---|---|---|
| Investor loans | 770 | 12,943 | 2nd of 27 |
| Reporting lenders | 157 | 503 | 2nd of 27 |
| Loan volume | $221.8M | $3.74B | 2nd of 27 |
| Average loan | $288K | $289K | 12th of 27 |
| Median loan | $235K | $225K | 14th of 27 |
| Purchases | 68.1% | 62.0% | 7th of 27 |
| Cash-out refinances | 16.5% | 17.7% | 14th of 27 |
| 2–4 unit properties | 3.0% | 7.7% | 19th of 27 |
| Top five lenders' share | 32.5% | 18.5% | 10th of 27 |
| Reported business-purpose | 71.8% | 68.5% | 9th of 27 |
Virginia Beach city: closed-end loans on 1–4 unit investment properties. Virginia Beach city's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Virginia Beach city's investor loans.
What stands out in Virginia Beach city
Virginia Beach city's 770 investor loans ranked 2nd of Virginia's 27 counties with published data.
Does a DSCR loan pencil in Virginia Beach city?
At HUD's fair market rent of $2,298 for a 3-bedroom in Virginia Beach city, Virginia, a rental covers its full DSCR payment up to a purchase price of about $350,000, with 20% down at the 7.25% starting rate (November 2026). Virginia Beach city's median home value is $382,500; at that price the payment is $2,502 a month, so the property would need $2,525 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,667 / $2,298 / $2,710 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $382,500 |
| Median property taxes and effective rate | $3,061 (0.80% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,502 |
| Rent needed to cover that payment | $2,525 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $350,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Virginia Beach city's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Virginia Beach city?
The most active investment-property lenders in Virginia Beach city in 2025 HMDA data were Kiavi Funding, Inc.; Towne Bank; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 157 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Virginia Beach city, and matches each file to the one most likely to fund it.
Virginia Beach city's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 770 loans and $221.8M from 157 lenders. Kiavi Funding, Inc. led Virginia Beach city with 86 loans, 11.2% of the county's total, and the average Virginia Beach city loan of $288K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 86 | $25.6M | $298K | 87.2% |
| Towne Bank | 52 | $15.5M | $298K | 92.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 50 | $13.9M | $277K | 62.0% |
| Rocket Mortgage, LLC | 42 | $9.4M | $224K | 38.1% |
| NEWREZ LLC | 20 | $7.0M | $348K | 60.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 19 | $5.3M | $280K | 78.9% |
| Atlantic Union Bank | 15 | $3.9M | $260K | 86.7% |
| Navy Federal Credit Union | 15 | $3.3M | $223K | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | $3.0M | $230K | 69.2% |
| SOUTHERN TRUST MORTGAGE, LLC | 12 | $2.9M | $243K | 66.7% |
| Towne Mortgage, LLC | 12 | $2.7M | $228K | 91.7% |
| THE LOAN STORE, INC. | 12 | $2.7M | $227K | 50.0% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 11 | $7.9M | $720K | 45.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | $3.2M | $292K | 72.7% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $3.0M | $269K | 72.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | $2.5M | $223K | 81.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | $3.3M | $331K | 80.0% |
| Atlantic Coast Mortgage, LLC | 10 | $2.9M | $289K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 10 | $2.8M | $280K | 70.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 10 | $2.2M | $218K | 50.0% |
| AMWEST FUNDING CORP. | 10 | $1.9M | $195K | 70.0% |
| Advance Financial Group, LLC | 9 | $4.5M | $496K | 88.9% |
| OCMBC, INC. | 8 | $2.3M | $290K | 87.5% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $2.2M | $276K | 37.5% |
| CAPITAL CENTER, L.L.C. | 8 | $1.8M | $224K | 50.0% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Virginia Beach city: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Virginia Beach city CSV, all 25 lenders
What Virginia Beach city's table can't show you: fit. Short-term financing is exempt from HMDA, so Virginia Beach city's fix-and-flip and bridge lenders barely appear among its 157 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Virginia Beach city, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Virginia Beach city, Virginia property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Virginia Beach city's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 157 lenders and 770 loans: 2025 HMDA loan-level data rolled up to Virginia Beach city.
- Virginia Beach city investor-lender dataset (CSV) — All 25 lenders in the Virginia Beach city, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Virginia Beach city's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Virginia Beach city's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.