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 5.95% (highest credit tier, LTV below 60%), 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.

6 months — the industry standard, 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, 6-month 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.

None. No application fee, no appraisal fee, no junk. Origination points and rates are on the term sheet up front, and they don't move 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) · 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.