Mortava
Contact Sales
Fix & Flip · Virginia

Fix & flip loans in Virginia — fund the deal, keep your cash.

Mortava fix & flip loans in Virginia: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Virginia is stable military-anchored demand in Hampton Roads plus DC-adjacent appreciation. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Virginia Beach, Richmond, Norfolk and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Virginia project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Virginia projects with Mortava

In a market like Virginia, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Virginia Beach, Richmond, Norfolk, Arlington deals and recycle capital into the next project faster.

Hampton Roads’ military tenancy makes Virginia Beach and Norfolk unusually stable rental markets, while Northern Virginia adds a DC-driven appreciation play. Virginia offers two strategies with two different risk profiles.

Top metros we fund
Virginia Beach, Richmond, Norfolk, Arlington
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Virginia

The same leverage that funds a Virginia flip funds the "buy and rehab" half of BRRRR. Renovate in Virginia Beach or Richmond, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Virginia fix & flip loan FAQ

Can I get a fix and flip loan in Virginia?
Yes. Mortava funds fix & flip projects across Virginia, including Virginia Beach, Richmond, Norfolk, Arlington. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Virginia flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Virginia.
Do you fund first-time flippers in Virginia?
Yes — first-time flippers are welcome in Virginia with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Virginia Beach and Richmond?
Yes — Virginia Beach, Richmond, Norfolk, Arlington and every other Virginia market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Virginia property instead of selling it?
Yes. Many Virginia investors renovate with a Mortava flip loan in markets like Virginia Beach, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in South CarolinaFlip in South DakotaFlip in TennesseeFlip in TexasFlip in UtahFlip in VermontFlip in WashingtonFlip in West VirginiaFlip in WisconsinFlip in WyomingFlip in AlabamaFlip in Alaska
All Fix & Flip programs → DSCR loans in Virginia → Instant quote & pre-qualify →
Ask Vesty