STR / Airbnb DSCR Loans in Virginia
Virginia STR markets cluster around Shenandoah Valley cabin rentals, Virginia Beach coastal, Williamsburg (historic), and Northern Virginia (DC-commuter Airbnbs). VA STR rules are county-by-county; some Shenandoah counties are very permissive while NoVA is restrictive.
Top Virginia markets for str / airbnb dscr
- Shenandoah Valley (Luray, Front Royal, Harrisonburg): Cabin rentals; permissive zoning.
- Virginia Beach: Coastal STR; tax + registration required.
- Williamsburg / Yorktown: Historic tourism market; family STR rentals.
- Northern Virginia: Restricted; primarily owner-occupied STR allowed.
Virginia quick facts
- •Shenandoah cabin market growing
- •NoVA STR restricted
- •VA state sales tax 5.3% + lodging
- •Property tax 0.7-0.9%
Active programs available in Virginia
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.
Foreign National Investment Loan
confirmed 5/9/2026Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.
Non-QM Investor Loan
confirmed 5/9/2026Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.
Specialized Investor Loan Program
confirmed 5/10/2026A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
DSCR Loan for Investment Properties
confirmed 5/9/2026A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.
Bank Statement Loan
confirmed 5/10/2026A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.
Virginia STR / Airbnb DSCR FAQs
VA STR regulations?
County-by-county. Shenandoah counties generally permit. Virginia Beach requires registration. Northern Virginia (Arlington, Fairfax) restrictive - primary-residence-only STR.
VA state STR taxes?
VA state sales tax 5.3% + local lodging tax (varies, typically 5-10%). Platforms generally collect and remit.
General str / airbnb dscr questions
How is short-term rental income verified?
Three common methods: (1) 12-month trailing statement from Airbnb/VRBO/PriceLabs, (2) AirDNA Rentalizer report for the subject address, or (3) market-rent appraisal addendum that captures STR comps.
What expenses are deducted from gross STR income?
Most lenders apply a 20–25% expense deduction (cleaning, supplies, platform fees, vacancy) to gross STR revenue before computing DSCR. Some lenders use 30%.
Can I get an STR loan in a market that just banned short-term rentals?
Generally no. Lenders verify local STR ordinances and will pivot to long-term DSCR (or decline) if the address sits in a permit-restricted zone.
Got a Virginia str / airbnb dscr scenario?
Tell us the deal - we'll match you with the right Virginia lender and come back with current pricing.