West Virginia DSCR Loan Calculator
Screen a West 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 West Virginia; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
West Virginia DSCR assumptions
The calculator seeds West Virginia with a starting property value of $145,000.00, starting rent of $850.00, annual property tax based on a 0.51% effective rate, and estimated annual insurance of $606.00.
STR note: No statewide restrictions. Limited STR ordinances in Morgantown (WVU) and some eastern panhandle resort towns. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Morgantown/Monongalia County (WVU university market — most economically stable market in WV, cash flow). Charleston/Kanawha County (state capital, healthcare/government, cash flow). Huntington/Cabell County (Marshall University, medical, cash flow). Eastern Panhandle (Berkeley, Jefferson, Morgan counties — DC/NoVA commuter market, growing, hybrid). Lewisburg/Greenbrier County (resort/tourism, small but growing STR market).
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