Priced off the 5-year Treasury. The rate you're quoted through our sizer is the rate you close at — no bait-and-switch at the closing table. Rates below are effective as of 07/12/2026 and apply nationwide across our 42 states across the continental US.
Everything a loan officer would tell you on a discovery call, up front.
| Term | 30-year fixed (also 5/6, 7/6, 10/6 ARM and 5-yr I/O) |
| Max LTV | 80% purchase / 75% cash-out |
| Loan size | $55K – $3M single-asset; portfolios of 2–10 properties on one loan |
| Origination | 1 point standard |
| Min FICO | 660 |
| DSCR | 1.0 (Below-1.0 lane available with reserves or rate buy-up) |
| Seasoning | 3 months on cash-out refinances |
| Close time | 10-day average |
| Term | 6 – 18 months (bridge) |
| Max LTV | Up to 100% LTC for premier borrowers; 65–75% of ARV cap |
| Loan size | $55K – $3M |
| Origination | 1 – 4 points |
| Min FICO | 660 |
| Seasoning | N/A (short-term bridge) |
| Close time | As fast as 72 hours (average 7–10 days) |
| Term | 18 or 24 months |
| Max LTV | 85% of land purchase + 85% of construction cost |
| Loan size | $100K – $7.5M |
| Origination | 1 – 3 points |
| Min FICO | 680 |
| Seasoning | N/A (short-term construction) |
| Close time | 10-day average once permits + plans are in |
Yes. The rate you're quoted through our sizer is the rate you close at. No bait-and-switch, no last-minute adjustments at the closing table.
Rates re-price whenever the 5-year Treasury moves materially. Historical cadence is 1–3 changes per month. The effective date at the top of this page is the current rate sheet.
FICO, LTV, property type, loan purpose (purchase / rate-and-term / cash-out), prepay penalty selection, and interest-only structure. Our sizer applies these transparently and shows every adjustment line-item on the rate sheet.
Every SLA Capital state — 42 states across the continental US. Same rates nationwide, no state-specific surcharges.
Yes — all SLA Capital loans are made to business entities. LLC / corporation / partnership (business-purpose loans). Most borrowers close in an LLC for asset protection.
Our sizer returns a term sheet with your actual rate, points, and cash-to-close. No credit pull, no commitment.