Virginia DSCR Loan Calculator
Screen a Virginia rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Virginia; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Virginia DSCR assumptions
The calculator seeds Virginia with a starting property value of $365,000.00, starting rent of $1,500.00, annual property tax based on a 0.78% effective rate, and estimated annual insurance of $1,995.00.
STR note: No statewide restrictions. Virginia Beach, Richmond, and Northern Virginia jurisdictions have varying STR ordinances. Virginia Beach has active STR regulation. Richmond and Northern Virginia STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Northern Virginia/DC Metro (Fairfax, Arlington, Loudoun, Prince William counties — federal employment anchor, very strong demand, appreciation/hybrid). Hampton Roads (Virginia Beach, Chesapeake, Norfolk, Suffolk — military-heavy, 5 major bases, strong rental demand, hybrid). Richmond/Henrico-Chesterfield-Richmond City (state capital, growing tech/finance, hybrid). Roanoke/Roanoke Valley (affordable, healthcare anchor, cash flow). Charlottesville/Albemarle County (UVA, appreciating hybrid).
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