Long-term rental financing for investment properties across Alabama — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Alabama metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Alabama is a top cash-flow state in the Southeast. Huntsville tech and defense growth anchor sustained rental demand. Birmingham offers deep SFR inventory at affordable basis. Non-judicial foreclosure and landlord-friendly law keep holds projectable.
Huntsville has been among the fastest-growing US metros for years, driven by aerospace, defense, and technology employment around Redstone Arsenal, NASA's Marshall Space Flight Center, and Cummings Research Park.
Birmingham, Montgomery, and Alabama secondary markets offer entry price-points that make the rent-to-price math work. Real cash-on-cash returns even after debt service.
Alabama uses non-judicial foreclosure and has landlord-friendly statutes with predictable timelines. Holding costs stay projectable for cash-flow modeling.
Whether you're closing a single-asset SFR in a smaller Alabama market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Madison County — Redstone Arsenal + Cummings Research Park
Jefferson County — Hoover, Vestavia Hills, Trussville, Homewood
Mobile County — Gulf Coast SFR + small-multi
Montgomery County — state capital + Maxwell AFB demand
Tuscaloosa County — University of Alabama market
Lee County — Auburn University + Kia Georgia adjacencies
Southeast + Northeast Alabama secondary markets
Statewide coverage — send us any Alabama property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Alabama properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Alabama — Huntsville, Birmingham, Mobile, Montgomery, Tuscaloosa, and every other AL metro. Rates from 5.75%, up to 80% LTV.
Alabama DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Alabama metro. High-volume markets: Huntsville, Birmingham, Mobile, Montgomery, Tuscaloosa. Secondary markets welcome.
Alabama is a top cash-flow state in the Southeast. Huntsville tech and defense growth anchor sustained rental demand. Birmingham offers deep SFR inventory at affordable basis. Non-judicial foreclosure and landlord-friendly law keep holds projectable.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Alabama DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Alabama metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Alabama builders. 85% land + 85% build. $100K–$7.5M.