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Rental (DSCR) Loan

Get up to 80% LTV and close in as little as 10 days — based on cash flow alone. Ideal for purchasing, refinancing, or scaling your rental portfolio.

Long-term financing for real estate investors.

In Under 3 Minutes

Handing over keys in a rental property transaction—ideal use case for DSCR loan financing

Real estate investors can’t afford delays

Hard money can be unreliable. Traditional financing is too slow.

Fast Closings,
No Delays

Close in as little as 5 days — experience our
AI-powered 
SLS platform

No W-2s,

No Hassle

Forget the paperwork —
we lend based on property value, not your income

Multiple Lenders,
Better Rates

We lend directly and partner with 50+ capital providers to get you the best deal

50+ capital providers competing for your deal

Our SLS platform ensures you always get the best terms.

Rates as low as

5.50%

Rate types

Fixed
5/1 ARM
7/1 ARM

Up to

80% LTV

Amortization types

Interest only
Fully amortizing

Loan size up to

$3M

Prepayment options

1, 2, 3, 5, 7
years

Term

30-year

DSCR as low as*

1.0x

*debt service coverage ratio

Recently funded deals
Fix and Flip | Miami, FL
$1,552,500 Loan | 85% LTV | Closed in 10 Days
"I didn’t have to send 100 documents just to get an answer.
Terms were solid, and they closed fast.
"
Alex G.

Get a term sheet in under 3 minutes

Our SLS platform integrates with 50+ capital providers in real time —delivering the best terms, fast.

In Under 3 Minutes

Rental Property Financing — Powered by Cash Flow

Get funding based on rental income, not personal income.

Rental loans are based on Debt Service Coverage Ratio (DSCR) — which measures your rental income vs. your total monthly costs, including taxes, insurance & loan payments.

If your property generates enough cash flow to cover these expenses, you qualify — no W-2s, no income verification.

How does SLS calculate DSCR?
Debt Service Coverage Ratio
Rental Income
Monthly Taxes, Insurance*
+ Loan Payment

*HOA fee, if applicable

In Under 3 Minutes

AI-powered accuracy,
people-powered experience
Our SLS platform ensures comprehensive accuracy — what you see is what you get.

Whether you're purchasing, refinancing, covering a financing delay, or pulling cash out of an investment, SLS delivers precise terms — fast.

In Under 3 Minutes

SLS Platform: Term Sheet Generation
AI-powered term sheet generation workflow diagram from SLS
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Opportunities don't wait — neither should you

Get funded — 3 simple steps.

01

Provide basic information

Tell us about your deal — fast & easy. No W-2s, no tax returns, just the basic information.
 

02

Get terms in under 3 minutes

See real loan terms instantly — no waiting, no guesswork. Our real-time SLS platform integrates with 50+ capital providers to get you the best terms.

03

Close & fund fast

Every step is proactively managed, with potential issues addressed before they cause delays — ensuring you close on time and get funded fast.

Get a term sheet in under 3 minutes — no obligation.

In Under 3 Minutes

Trusted by over 50+ leading capital partners
Anchor Loans logo
Leste Group logo
Pretium Partners logo
Toorak Capital Partners logo
Direct lending with access to over 50+ capital partners — delivering tailored terms to you, fast.

In Under 3 Minutes

Rental Loan FAQ

In Under 3 Minutes

By the numbers

$300M+

Funded Loans

97%

Success Rate

94%

Repeat Customers

45

States + D.C.

Get started now. Skip the wait.

In Under 3 Minutes

We move fast, so you can too
Enter your email — let’s get the conversation started.

Thank you! We'll be in touch soon.

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