Real Estate Investors in Virginia Flourish with the DSCR Loan Virginia. A DSCR Loan offers up to 85% on a purchase and 80% for refinance and Cash out refinance. A DSCR Loan looks primarily at the real estate and does not need a borrowers tax returns or employment to qualify. To Build real estate wealth and passive income a dscr loan in Virginia is the way to go. ----currently 96