FIX & FLIP LOANS · West Virginia (WV) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

West Virginia Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

West Virginia Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In West Virginia (WV), lenders underwrite to a Non-Judicial (Deed of Trust Trustee Sale) statutory framework (55–85 days-day average timeline), a 0.57% average property tax rate (~$107/mo at the $225,000 state median), and $510/$100K hazard insurance (~$96/mo).

Max Leverage / LTC
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
WV Security Instrument
Non-Judicial (Deed of Trust Trustee Sale)
55–85 days days avg timeline
WV Avg Tax & Ins
0.57% Tax
$510/$100K Hazard Ins

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West Virginia Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach