Whether you're purchasing, refinancing, or pulling cash out, SLA Capital's DSCR loans finance investment properties in 42 states — qualified off the property's rental income, not your personal DTI. 30-year fixed from 5.75%, and only a 3-month seasoning window on cash-out refinances.
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. That means self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
SLA Capital's DSCR loans are the long-term backbone of most investor portfolios — they're what you refinance a Fix & Flip bridge into once the rehab is done and the property is rented.
Competitive rates priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at the closing table.
Purchase and rate-and-term refis up to 80% loan-to-value. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM. Pick the structure that fits your hold horizon.
Single-asset loans from $100,000 to $3,000,000. Portfolio structures for 2–10 properties on a single note for investors scaling faster.
Clear, up-front pricing. One origination point, standard closing costs, no junk fees. What you're quoted is what you close at.
Property rent must cover the total housing payment. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Enter the property, the rent, the FICO — get a real, close-able rate in minutes. Our AI-Enhanced sizer prices your loan against the live 5-year Treasury without the calls, callbacks, or estimated ranges.
DSCR closings average 10 days from application to funding. Missing documents get flagged on day one via our underwriting engine, not day fourteen when time-to-close matters.
Refinance a BRRR project after only 3 months of ownership. Pull your capital back out and roll it into the next deal without waiting on 6- or 12-month seasoning like most lenders require.
"SLA has become my go-to lender after all kinds of headache with Kiavi and some of the other lenders out there."
A DSCR (Debt Service Coverage Ratio) loan is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or DTI. If the rent covers the mortgage payment, taxes, insurance, and HOA, the loan qualifies — regardless of what your W-2 says.
SLA Capital requires a minimum 1.0 DSCR — the property's rental income must at least cover the total housing payment (PITIA). Some scenarios below 1.0 can still qualify with additional reserves or a rate buy-up.
3 months. SLA Capital requires only 3 months of seasoning for cash-out refinances on DSCR loans, and no active lease is required at closing — one of the shortest seasoning windows in the non-QM space.
No. SLA Capital does not require an active lease to close. Rental income is qualified off a market rent appraisal (Fannie Mae Form 1007 or comparable), so a vacant property closes just fine.
SLA Capital offers 30-year fixed, 5-year interest-only, 5/1 ARM, and 7/1 ARM structures on its DSCR program. Rates start from 5.75%.
DSCR loans range from $100,000 to $3,000,000 per property. Portfolio structures can blanket 2–10 properties on a single note for investors scaling their rental book.
Submit the property and the rent. Our sizer returns a real rate + term sheet in minutes — no callbacks, no ranges, no games.
Purchase + rehab bridge financing sized off ARV. Up to 100% for premier borrowers. Funding in as little as 72 hours.
Land acquisition, vertical construction, and interest reserve on a single loan. Rates from 10%.