Where we lend · West Virginia (WV)
Investment property financingin West Virginia.
Fix & flip, DSCR rental, bridge and construction loans for investors in Charleston, Huntington, Morgantown and across West Virginia. Pre-qualify in minutes with no hard credit pull.
The market
Investing in West Virginia,at a glance.
West Virginia is one of the most affordable real estate markets in the entire United States, offering entry points that are nearly impossible to find elsewhere east of the Mississippi. Charleston, the state capital, has single-family properties available from $50K-$150K with strong rental demand from state government and healthcare workers. Morgantown stands out as the state's growth story — West Virginia University drives consistent rental demand, and the city has a young, vibrant economy that contrasts with much of the state. The Eastern Panhandle (Martinsburg, Charles Town) benefits from DC commuter demand via the MARC train. While West Virginia's population has declined overall, specific cities and corridors offer genuine investment opportunity for cash flow-focused investors.
Markets we serve
- Charleston
- Huntington
- Morgantown
- Parkersburg
- Wheeling
Why AIRE Lending in West Virginia
- Programs designed for West Virginia's extremely affordable price points
- DSCR lending for Morgantown's university-driven rental market
- Experience with Eastern Panhandle's DC-commuter demand
- Fast closings across the state
- Support for out-of-state investors building WV cash flow portfolios
Programs available
What we lendin West Virginia.
Loan programs currently available through AIRE Lending in WV.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Commercial bridge
- Rates from
- 10.5%
- Leverage
- Up to 75%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
West Virginia licensing and compliance
West Virginia does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with West Virginia lending regulations.
Questions, answered
Lending in West Virginia,explained.
Is West Virginia a good market for cash flow investing?
West Virginia offers some of the highest cap rates in the country due to extremely low property prices relative to rental income. Investors who focus on markets with steady demand drivers — Morgantown (WVU), Charleston (state government), the Eastern Panhandle (DC commuters) — can achieve exceptional cash-on-cash returns.
What makes Morgantown different from the rest of WV?
Morgantown is the one West Virginia city with genuine growth momentum. WVU's 27,000+ students and the associated healthcare, research, and service economy create consistent rental demand. Property values are higher than the state average but still very affordable nationally.
Do you have a minimum loan amount for WV properties?
Our minimum loan amount is $75K. Many West Virginia investment properties meet this threshold, though some of the lowest-cost properties in declining areas may not. We focus on properties with demonstrated rental demand and viable exit strategies.
What about the Eastern Panhandle?
Martinsburg and Charles Town in the Eastern Panhandle benefit from DC commuter demand via the MARC train. Property prices are dramatically lower than nearby Frederick, MD or Loudoun County, VA, while still serving the DC job market. This creates strong rental investment opportunities.