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Bridge Loans for Investors in Virginia

What Virginia investors should know, with county data and city pages.

Across Virginia, investors use bridge loans to move on a property without waiting for a sale or for a long-term loan to come together. The bridge is secured by investment property and repaid through a sale or refinance, often a DSCR refinance after lease-up. Browse the city pages below for local data, then ask a licensed loan officer about costs, lien position, prepayment charges and how the payoff will work.

Questions about bridge loans for investors in Virginia?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Virginia transfer taxes: State recordation tax, including the additional tax paid by the grantor. Section 58.1-802 adds a tax on deeds that convey real property, payable by the grantor (seller); it sits on top of the general recordation tax under Chapter 8. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in Virginia

Counties with the most investor loans with balloon or non-amortizing terms (2024):

CountyInvestor loans with balloon or non-amortizing terms (2024)
the City of Norfolk171
the City of Richmond155
the City of Virginia Beach130
Fairfax County101
the City of Chesapeake96
the City of Portsmouth96
the City of Roanoke92
the City of Hampton79
the City of Lynchburg79
the City of Newport News78
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Bridge Loans for Investors by city in Virginia

Common questions

Is a bridge loan for investment property a consumer loan?

Usually not. Bridge financing on a rental for a business purpose is generally treated as business-purpose credit, and many investors borrow through an LLC. That category has its own rules and disclosures, separate from home loan rules, and your loan officer can confirm which cover your bridge. Bridge financing on your own residence is a separate, consumer product.

What is lien position on a bridge loan?

Lien position is the order in which lenders are repaid from a property. A first-lien bridge is paid first if the property is sold or foreclosed. A second-lien bridge comes after an existing mortgage, usually costs more and may need the first lender's permission. Your title report and loan documents show the lien position.

Can a bridge loan use equity from another property I own?

Some lenders will place a lien on a property you already own, or on more than one property, to secure a bridge loan. That can reduce the cash you need but puts more than one property at risk if the exit fails. Ask how each property would be released from the lien when you sell or refinance.

Other investor loans in Virginia

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Bridge Loans for Investors overview · Virginia investor loan overview

  • 2024 HMDA data
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