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

Virginia Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Virginia Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 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 85%–90% LTC + 100% Rehab Escrowed
Min FICO: 620+ FICO
2026 Rate Band
9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi
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)

Need help?

Chat Now(480) 485-1229
Virginia Rehab & BRRRR Loans (2026) — Up to 85%–90% LTC + 100% Rehab Escrowed, 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | Stephen R. Mannenbach | Stephen Mannenbach