Investment property financing built for Virginia
Virginia is one of the most durable commercial real estate markets in the Mid-Atlantic, and investment activity clusters across three big regions: Northern Virginia — the Washington, D.C. suburbs of Fairfax, Loudoun, Prince William, Arlington, and Alexandria; Hampton Roads, anchored by Virginia Beach, Norfolk, Chesapeake, and Newport News; and Richmond, the state capital. New City Financial helps investors fund deals here on the strength of the property, not a stack of personal paperwork, with business-purpose financing on Virginia rental, multifamily, and commercial real estate.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit how the Virginia market really works — including its unusual structure of both counties and independent cities, each with its own land records. Self-employed and portfolio investors, LLC-titled property, and out-of-state buyers all qualify the same way. Whether you’re acquiring a rental in Richmond, refinancing an apartment building in Norfolk, or pulling cash out of a Northern Virginia portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Virginia investors
Every New City Financial program is available on qualifying Virginia investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Virginia
We lend on business-purpose investment and commercial real estate across Virginia — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Virginia investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Virginia? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Virginia commercial loan FAQs
Does New City Financial lend on investment property in Virginia?
Yes. We finance business-purpose investment and commercial real estate throughout Virginia — from Northern Virginia (Fairfax, Loudoun, and Arlington) through Richmond to the Hampton Roads cities of Virginia Beach, Norfolk, and Chesapeake. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Virginia commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That’s a strong fit for Virginia’s many self-employed, out-of-state, and portfolio investors.
What credit score do I need for a DSCR loan in Virginia?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong Virginia asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Virginia?
Most Virginia files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in the competitive Northern Virginia and Hampton Roads markets where speed wins deals.
What loan-to-value can I get on Virginia investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you lend across Virginia’s counties and independent cities?
Yes. Virginia is one of the few states made up of both counties and independent cities. We finance business-purpose property in eligible localities statewide, from Fairfax and Loudoun to the independent cities of Virginia Beach, Norfolk, and Richmond, all on one consistent set of terms.
Financing your Virginia deal with New City Financial
New City Financial provides business-purpose financing on Virginia investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.