WEST VIRGINIA (WV) WHOLESALE UNDERWRITING DESK · 2 MAJOR CITIES (50,000+ POP)

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/mo

5+ UNIT MULTIFAMILY RENT

$1,080/door/mo

West 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

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $225,000·Loan/Door: $168,750·Avg Rent/Door: $1,780/mo

Property Value / Purchase Price$225,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$1,780/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 141 bps · 7500 bps LTV · 6625 bps Rate

1.41x

Tier-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

Get 30-Sec Quote →Full 1003 / MISMO Apply →

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

All 10 Loan Programs & 6 Unit Tiers in West Virginia

DSCR Loans in WV →Hard Money Loans in WV →Private Money Loans in WV →Fix & Flip Loans in WV →Bridge Loans in WV →Ground-Up Construction in WV →Multifamily (5+ Units) in WV →Commercial Property in WV →Rehab & BRRRR Loans in WV →Cash-Out Refinance in WV →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)