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Fix & Flip · West Virginia

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

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

West Virginia is the lowest prices in the East with high gross yields. 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 Charleston, Huntington, Morgantown 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 West 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 West Virginia projects with Mortava

In a market like West 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 Charleston, Huntington, Morgantown deals and recycle capital into the next project faster.

West Virginia has the lowest price points in the East, so gross yields in Charleston and Huntington run well above national averages. Morgantown’s university demand adds a stabilizing tenant base.

Top metros we fund
Charleston, Huntington, Morgantown
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 West Virginia

The same leverage that funds a West Virginia flip funds the "buy and rehab" half of BRRRR. Renovate in Charleston or Huntington, 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.

West Virginia fix & flip loan FAQ

Can I get a fix and flip loan in West Virginia?
Yes. Mortava funds fix & flip projects across West Virginia, including Charleston, Huntington, Morgantown. 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 West 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 West Virginia.
Do you fund first-time flippers in West Virginia?
Yes — first-time flippers are welcome in West Virginia with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Charleston and Huntington?
Yes — Charleston, Huntington, Morgantown and every other West Virginia market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a West Virginia property instead of selling it?
Yes. Many West Virginia investors renovate with a Mortava flip loan in markets like Charleston, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
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All Fix & Flip programs → DSCR loans in West Virginia → Instant quote & pre-qualify →
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