What Is a DSCR Loan and How Does It Work?
DSCR loans let you qualify based on rental income, not your W-2. Here’s everything you need to know before applying.
From NoVA townhomes to Tidewater rentals.
Virginia is one of our most active markets, from DC-suburb flips in Fairfax and Prince William to stabilized rental portfolios in Richmond and Hampton Roads. We understand Virginia's deed-of-trust structure, the difference between a judicial and non-judicial foreclosure posture, and why a Richmond rowhouse underwrites very differently than a Norfolk duplex.

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.
Where Pimlico Capital has an active book and on-the-ground knowledge in Virginia.
Fairfax, Loudoun, Prince William, Arlington, Alexandria: higher-price-point flips and new-construction bridge.
Church Hill, Fan District, Northside, Manchester, Chesterfield, Henrico: classic rehab and long-term rental plays.
Norfolk, Virginia Beach, Chesapeake, Portsmouth, Newport News: strong DSCR rental fundamentals.
Charlottesville, Lynchburg, Roanoke, Harrisonburg: student and workforce rentals.
A non-exhaustive list of the state- and city-specific things we deal with every day.
A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.
Get a quote online or call us. We'll size the deal in 24 hours.
Our in-house team underwrites with local knowledge, not a scoring algorithm.
5–10 business days for bridge, 3–4 weeks for 30-year rental.
Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.
DSCR loans let you qualify based on rental income, not your W-2. Here’s everything you need to know before applying.
Your exit matters as much as your entry. Here’s how to pick the right bridge-loan exit before you even close.
Buy, Rehab, Rent, Refinance, Repeat. We’ve financed thousands of BRRRRs. Here’s what actually works.
55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.
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