Leesburg, VA · LOUDOUN County County · 2026 Population: 51,964 · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873

Leesburg, Virginia DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Leesburg, VA Local Underwriting Snapshot (LOUDOUN County County): With a 2026 population of 51,964, Leesburg carries an effective property tax rate of 0.78%, a median 1–4 unit investment property price of $370,000, and a median market rent of $2,700/mo. At 75% LTV ($277,500 loan amount), estimated monthly PITIA is $2,216/mo, yielding an estimated baseline DSCR of 1.22x. For 5–25+ unit apartment buildings in Leesburg, typical valuation averages $155,400/door with $1,550/mo/door market rents.

County & 2026 PopulationLOUDOUN County County (51,964)

Effective Property Tax Rate0.78% ($241/mo)

Median 1–4 Unit Price & Rent$370,000 · $2,700/mo

5–25+ Unit Multifamily Avg$155,400/door · $1550/mo

VA Foreclosure & SecurityNon-Judicial (Deed of Trust Trustee Sale) (45–65 days)

Leesburg, VA Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $370,000·Loan/Door: $277,500·Avg Rent/Door: $2,700/mo

Property Value / Purchase Price$370,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR AirDNA)$2,700/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 126 bps · 7500 bps LTV · 6625 bps Rate

1.26x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$277,50027,750,000 _cents

Monthly P&I Debt Service$1,777/mo@ 6.625% Note Rate

Total Monthly PITIA$2,147/moTax: $241 · Ins: $130

Net Monthly Cash Flow+$553/mo$6,638/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,147/mo	1.26x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,193/mo	1.23x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$1,989/mo	1.36x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Leesburg, VA Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Leesburg (LOUDOUN County County, VA) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (AirDNA / 12-month booking ledger) subject to local municipal registration.

Virginia Statutory Security Instrument: Loans in Leesburg (LOUDOUN County County) are secured via Deed of Trust (Power of Sale) under Virginia's Non-Judicial (Deed of Trust Trustee Sale) framework (45–65 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..