DSCR Loan Breakdown – The Best Loans for Rental Properties
When it comes to financing rental properties, most investors get roadblocked by traditional lenders asking for pay stubs, tax returns, and W2s.
If that’s not how you operate, there’s a smarter way: DSCR loans.
At SLA Capital, we help real estate investors build long-term wealth with Debt-Service Coverage Ratio (DSCR) loans—fast, simple, and income-doc-free.
What is a DSCR Loan?
A DSCR loan is a real estate investment loan that uses the property’s rental income to qualify—not your personal income.
It’s based on a simple formula:
DSCR = Monthly Rent ÷ Monthly Loan Payment
If the DSCR is above 1.00, the property is cash-flowing—and you’re good to go.
Why DSCR Loans Work for Investors
✅ No income docs required
✅ Close in as little as 7 days
✅ Works for short-term and long-term rentals
✅ 30-year fixed or interest-only options
✅ Nationwide availability
Ideal DSCR Loan Scenarios
– BRRRR exits (refi to long-term)
– Airbnb/STR acquisitions
– Out-of-state rentals
– Full-time investors without W2 income
Our DSCR Loan Terms
– Rates from 6.5%
– Max LTV: 80%
– Loan amounts: $55K–$2M
– Term: 30 years
– Interest-only available
w to Apply
1. Submit your property details
2. We analyze rental income vs. proposed loan terms
3. If DSCR > 1.0, we close—fast
Common Questions
Q: Can I use a DSCR loan on an Airbnb?
Yes, we lend on short-term rentals nationwide.
Q: Do you verify personal income?
Nope. That’s the beauty of DSCR.
Q: Can I close in an LLC?
Yes. In fact, we prefer it
Build Your Rental Empire with SLA Capital
If you’re ready to stop fighting with traditional banks, get funded the investor way.
Your quest for funding ends here.
