Investor lending, answered straight.

An investor mortgage that qualifies on the property's rental income, not yours. If rent covers the payment — principal, interest, taxes, insurance, HOA — the loan qualifies. No tax returns, no W-2s, no DTI. Full mechanics: DSCR Loans Explained.

30-year fixed from 7.00% (before buy down: highest credit tier, DSCR 1.20+), plus ARM and interest-only structures. Always current on the public rate sheet — and the rate you're quoted is the rate you close at.

660 minimum; best pricing at 740+. The 660–679 band closes with pre-approval, 1.10x DSCR, and extra reserves. The full box: DSCR Loan Requirements.

No. Vacant properties qualify on the appraiser's market-rent report (Form 1007). That's also how we handle Airbnbs and short-term rentals — long-term market rent is the anchor, and your STR upside stays yours.

None. No ownership seasoning on a DSCR cash-out, honored in writing. Conventional lenders make you wait 12: the seasoning math.

Conventional can win on rate if you have clean W-2 income, few properties, and personal title is fine. DSCR wins on everything else: no income docs, no 10-property cap, LLC closings, no cash-out seasoning. The honest comparison: DSCR vs. Conventional.

As little as 72 hours with clear title and a complete file; 7–10 days is the average. Speed is the point — it's what wins competitive deals.

Up to 92.5% loan-to-cost for experienced flippers, with 100% of the rehab budget funded via draws. First flip? You're welcome here — expect ~85% LTC to start: the first-timer guide.

Two tests — loan-to-cost and a cap against after-repair value — and your loan is the lesser. How appraisers actually land on ARV: ARV explained.

Hard money buys the project; DSCR holds the property. Flipping or rehabbing → bridge. Renting and holding → DSCR. Doing BRRRR → both, back to back.

Land (or lot payoff) plus the vertical build — up to 85% of each — on 18 or 24 month terms, from 10%. Spec builds welcome: how ground-up financing works.

Budget sits in escrow, releases against completed milestones after app-based photo inspections — funds wire in days, and interest accrues on the drawn balance only. The full cycle: construction draws explained.

Experience earns leverage, but a first ground-up build with a licensed GC, approved plans, a contingency line, and documented liquidity is fundable.

Yes — it's the standard, on every product. Members guaranty, entity holds title. The five documents that make it fast: LLC lending guide.

No application fees, no junk fees. Third-party costs like appraisals are disclosed on the term sheet up front, right next to the rate and points — and none of it moves at the closing table.

$100K–$3M on DSCR and Fix & Flip (portfolios of 2–10 properties on one note), $100K–$7.5M on New Construction.

42 states across the continental US. Your state's specifics live on its program page — start from DSCR, Fix & Flip, or New Construction.

Sir Lends A Lot LLC · NMLS ID #2863552 (NMLS Consumer Access) · Idaho Mortgage Broker/Lender License #MBL-2082863552 · Oregon Mortgage Lending License #2863552 · Certified Member of the American Association of Private Lenders. Business-purpose loans only — no owner-occupied lending.

The two-minute application returns a real term sheet — rate and numbers, not a callback. Or email the deal: apply@slacapital.com · (509) 846-7349.