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DSCR Loans in Virginia: Rental Property Financing Made Easy

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With steady population growth driving high rental demand and rising rents in key markets, Virginia has become an attractive option for SFR investors looking for both strong cash flow and long-term appreciation. No matter if you’re pursuing an STR or LTR strategy, Virginia offers diverse markets to match your investment goals and maximize returns.

Major markets like Virginia Beach, Alexandria, and Richmond have all experienced significant increases in average SFR rents. Virginia Beach saw the largest jump with a 10.4% YoY increase, reaching an average of $2,451 per month. Alexandria followed closely with a 9.8% rise, bringing its average rent to $3,503 per month. Richmond saw a more moderate increase of 4.2% YoY, with average rents hitting $2,095 per month1.

Virginia Beach, Alexandria and other markets offer opportunities for both STRs and LTRs, but Richmond stands out, earning a spot on AirDNA’s “Best Places to Invest in Short-Term Rentals in 2025.” With an annual revenue potential of $44,104 and a gross yield of 10.9%2, Richmond provides consistent returns for investors. Its market stability supports both STR success and long-term property appreciation.

What Makes Virginia a Standout for Investors

Virginia checks a lot of boxes for rental property investors: steady population growth, high rental demand, and markets that are performing across the board. Virginia Beach and Alexandria are seeing some of the biggest rent gains in the state, while Richmond is carving out a name as a top short-term rental hub thanks to double-digit yields. Whether you’re looking for dependable long-term tenants or the upside of STRs, Virginia offers both. Visio Lending’s DSCR loans let you move fast, qualify based on property income, and scale confidently in this growing market.

Note: Visio Lending provides Virginia investors with added asset protection and financial flexibility, as we require all borrowers in the state to invest through an LLC or corporate entity. With our expertise and streamlined process, we help you quickly capitalize on opportunities in this thriving market.

Sources:

1: Rentometer
2: AirDNA – Best Places to Invest in Short-Term Rentals in 2025

Visio Lending is the nation's premier lender for buy and hold investors offering, long-term loans for SFR rental properties, including vacation rentals.

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All rights reserved. Copyright 2024. All loans are originated by Visio Financial Services Inc. (“VFS”) or Investor Mortgage Finance LLC (“IMF”). VFS is licensed by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker, license number 1010600 as well as by the California Department of Financial Protection and Innovation as a California Finance Lender, license number 60DBO-56345. VFS’s company NMLS ID number is 1935590. IMF is licensed by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker, license number 1034031 as well as by the California Department of Financial Protection and Innovation as a California Finance Lender, license number 60DBO-160501. IMF’s company NMLS ID number is 2297729. For more information about the use of our Website, please see our Terms of Use and Privacy Policy.