BRIDGE LOANS · Virginia (VA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Virginia Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) — 2026 Rates, LTV Caps & State Rules

Virginia Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 Business Days close). In Virginia (VA), lenders underwrite to a Non-Judicial (Deed of Trust Trustee Sale) statutory framework (45–65 days-day average timeline), a 0.8% average property tax rate (~$277/mo at the $415,000 state median), and $490/$100K hazard insurance (~$169/mo).

Max Leverage / LTC
Up to 80% LTV Acquisition / 75% Bridge Cash-Out
Min FICO: 640+ FICO
2026 Rate Band
8.75% – 10.99% Interest-Only
12, 24 & 36 Months (With Extension Options)
VA Security Instrument
Non-Judicial (Deed of Trust Trustee Sale)
45–65 days days avg timeline
VA Avg Tax & Ins
0.8% Tax
$490/$100K Hazard Ins

Virginia County-Level Property Tax & Insurance Hubs (3)

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Virginia Bridge Loans (2026) — Up to 80% LTV Acquisition / 75% Bridge Cash-Out, 8.75% – 10.99% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach