Direct DSCR Lender · West Virginia
DSCR loans in West Virginia. Built for speed.
Direct DSCR lender serving West Virginia real estate investors. Qualify on rental income — no tax returns or W-2s. Same-day scenario response, 95% approval rate.
- Statewide West Virginia coverage
- No tax returns or W-2s
- 15% down minimum
- Credit scores from 620
- LLC, trust, or personal name
- STR (Airbnb) & foreign national OK
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Why West Virginia investors choose Quicker Home Loans.
West Virginia is a small DSCR market with structural advantages: fast non-judicial foreclosure at 60 to 90 days, strongly landlord-friendly statutes, and below-average property tax at about 0.51% effective. The volume is low, but the lender-recovery math is clean.
Charleston and Huntington are the two primary urban DSCR markets. Morgantown is a university-anchored market (West Virginia University) with distinct student-rental dynamics. The Eastern Panhandle (Martinsburg, Charles Town) operates in the DC metro orbit and has different pricing dynamics from the rest of the state.
When a West Virginia deal doesn't fit our standard guidelines, we run it through the Approval Engine — a wider underwriting framework that finds an angle. That's how we close 95% of the deals we touch.
West Virginia DSCR context
DSCR in West Virginia — what matters.
A few West Virginia-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- West Virginia uses a non-judicial foreclosure process, with typical uncontested timelines running 60–90 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 0.51%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- West Virginia's landlord-tenant framework is strongly landlord-friendly.
- Short-term rentals
- Minimal statewide; ski and New River Gorge areas have local rules.
Right program, right state
Which QHL programs fit West Virginia.
Standard DSCR at 80% LTV fits Charleston, Huntington, and Eastern Panhandle SFR. Morgantown university-market files benefit from rent-comp work that accounts for student-rental dynamics separately from professional-renter comps. Low statewide volume means we see fewer West Virginia files but handle them routinely.
Prepayment penalty
Prepayment penalty in West Virginia.
Up to a 5-year prepayment penalty period is permitted under QHL programs in this state.
PPP terms are confirmed at underwriting and may vary with loan amount, vesting, and property type.
All programs available
Loan programs in West Virginia.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Cities served
We serve investors in every West Virginia city.
Don't see your city? We lend everywhere in West Virginia. Call 551-375-6403.
Questions
DSCR loans in West Virginia — FAQ
Yes. Quicker Home Loans is a direct DSCR lender serving West Virginia real estate investors. We finance single-family rentals, 2–4 unit, multifamily, mixed-use, and short-term rentals statewide.
Ready to lower your rate?
Ready to fund your next West Virginia investment?
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.