Ground-up construction loans for builders and investors developing new properties in West Virginia. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
West Virginia delivers surprising investor value. Eastern Panhandle (Martinsburg) is a DC-metro commuter belt. Morgantown pairs WVU with Pittsburgh-metro adjacency. Statewide, WV offers some of the highest cash-flow yields in the country.
Martinsburg and Charles Town (Jefferson County) have become active DC-metro commuter markets. Rental demand from federal workers seeking lower cost of living stays consistent.
Morgantown combines WVU + healthcare + Pittsburgh-metro adjacency. Rental demand from students, healthcare workers, and Pittsburgh commuters supports the market.
West Virginia acquisition basis stays among the lowest in the country relative to gross rents. Real cash-on-cash returns for portfolio investors focused on income.
Whether you're closing a single-asset SFR in a smaller West Virginia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Kanawha County — state capital
Cabell County — Ohio River + Marshall University
Monongalia County — WVU + Pittsburgh-adjacent
Ohio County — Northern Panhandle
Wood County — Mid-Ohio Valley
Berkeley County — DC-metro commuter belt (Eastern Panhandle)
Raleigh County — Southern WV secondary
Statewide coverage — send us any West Virginia property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across West Virginia. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout West Virginia — Charleston, Huntington, Morgantown, Wheeling, Parkersburg, and every other WV metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in West Virginia. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
West Virginia delivers surprising investor value. Eastern Panhandle (Martinsburg) is a DC-metro commuter belt. Morgantown pairs WVU with Pittsburgh-metro adjacency. Statewide, WV offers some of the highest cash-flow yields in the country.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for West Virginia investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every West Virginia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.