Licensed & LendingHard Money & DSCR Loans in West Virginia
Capital Kings funds West Virginia investor loans. Hard money, DSCR, and bridge across Charleston, Huntington, Morgantown, and the WV secondary markets. WV is a smaller-volume but stable investor market with low entry prices and strong rental yields.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds West Virginia Deals
Morgantown's college market provides consistent rental demand and our DSCR lenders price it on the rent comps. Charleston and Huntington both offer entry prices that make BRRRR strategies highly accretive. Our lender network includes WV-experienced shops.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for West Virginia fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for West Virginia buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. West Virginia growth corridors specifically.
Active Markets
Cities We Fund Across West Virginia
Active lending across West Virginia's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for West Virginia Investors
Morgantown college-town DSCR rentals
Available statewide for West Virginia investors.
Charleston / Huntington BRRRR financing
Available statewide for West Virginia investors.
Bridge financing for value-add
Available statewide for West Virginia investors.
Common Questions
West Virginia Lending FAQ
Do you lend hard money loans in West Virginia?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across West Virginia through our 270+ lender network. We close West Virginia deals in as little as 7 days.
What cities in West Virginia does Capital Kings lend in?
We fund investor loans statewide in West Virginia, with active deal flow in Charleston, Huntington, Morgantown, Wheeling, Parkersburg and the surrounding metros.
Do you offer DSCR rental loans in West Virginia?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across West Virginia on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a West Virginia hard money loan close?
Most West Virginia fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a West Virginia fix-and-flip loan?
As little as 0% down on the right deal. Most West Virginia hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in West Virginia can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
West Virginia Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every West Virginia deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your West Virginia deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in West Virginia are originated by partner lenders licensed to lend in West Virginia. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.