Where We Lend

Hard Money & Rental Loans in West Virginia

Panhandle commuters, university towns, low entries.

West Virginia rounds out our mid-Atlantic footprint. The Eastern Panhandle — Martinsburg, Charles Town, Harpers Ferry — runs on DC-corridor commuter demand, Morgantown brings steady university-anchored rentals, and Charleston and Huntington offer some of the lowest entry prices in our entire footprint. We lend statewide.

Single-family investment property financed by Pimlico Capital
West Virginia
ActiveLending statewide
55Counties eligible
LowEntry price points
Loan Products Available in West Virginia

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in West Virginia.

Eastern Panhandle

Martinsburg, Charles Town, Ranson, Harpers Ferry. MARC-commuter rental demand and flips priced off the DC–Baltimore corridor.

Morgantown

WVU-anchored rentals with dependable school-year tenant demand and resilient occupancy.

Charleston

Capital-city workforce rentals across the Kanawha Valley at very low entry prices.

Huntington

Marshall University market; ultra-low acquisition costs make rehab-heavy plays pencil.

Local Expertise

What we actually know about West Virginia

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • Eastern Panhandle pricing tracks the DC–Baltimore corridor — we underwrite it like the mid-Atlantic market it is.
  • Low purchase prices often mean the rehab budget rivals the acquisition — our 100% rehab funding is built for that.
  • University markets (WVU, Marshall) with steady school-year tenant demand.
  • West Virginia deed-of-trust closings coordinated through local counsel and title.

Why local knowledge matters

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.

Common Questions

West Virginia Lending FAQ

Do you lend in the Eastern Panhandle?
Yes. Martinsburg, Charles Town, and Harpers Ferry are effectively DC-exurb markets, and they pair naturally with our Maryland and Virginia lending.
West Virginia prices are low — is there a minimum loan?
$75K minimum on bridge. Purchase plus rehab counts toward it, which keeps most West Virginia deals comfortably eligible.
Can I get a DSCR loan on a Morgantown student rental?
Yes. We qualify on in-place or market rents, and university-anchored demand tends to underwrite well.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

From the Blog

Investor Guides & Insights

Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.

Ready to close a deal in West Virginia?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600
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