West Virginia DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
West Virginia (WV) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in West Virginia utilize Non-Judicial (Deed of Trust Trustee Sale) security instruments, with an average non-homestead effective property tax rate of 0.57%, a median 1–4 unit investment home price of $225,000 (median rent $1,780/mo), and 5+ unit multifamily market rents averaging $1,080/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (Deed of Trust Trustee Sale)EFFECTIVE PROPERTY TAX
0.57% Avg ($107/mo)MEDIAN 1–4 UNIT PRICE & RENT
$225,000 · $1,780/mo5+ UNIT MULTIFAMILY RENT
$1,080/door/moWest Virginia Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $225,000·Loan/Door: $168,750·Avg Rent/Door: $1,780/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.41xCanonical:
141 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$168,75016,875,000 _cents
Monthly P&I Debt Service$1,081/mo@ 6.625% Note Rate
Total Monthly PITIA$1,266/moTax: $107 · Ins: $79
Net Monthly Cash Flow+$514/mo$6,167/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,266/mo | 1.41x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,294/mo | 1.38x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,170/mo | 1.52x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
West Virginia Cities with Population ≥ 50,000 (2 Markets)
Click any West Virginia city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (WV) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Charleston, WV → | KANAWHA County County | 55,395 | 0.58% | $220,000 | $1,750/mo | $1,050/door |
| Huntington, WV → | CABELL County County | 53,603 | 0.52% | $205,000 | $1,650/mo | $1,000/door |