Long-term rental financing for investment properties across Delaware — 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 Delaware 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.
Delaware is a compact but dense investor market. Wilmington banking + Philly-metro commuter demand drives premium rentals. Rehoboth Beach and the Sussex County coast add STR opportunity. Consistent rental demand across the state.
Wilmington hosts a deep banking, financial services, and corporate legal ecosystem (Delaware's business-friendly corporate law drives concentration of Chancery Court cases and Fortune 500 registrations).
Rehoboth Beach, Lewes, Bethany Beach, and the Sussex County coastal corridor host active short-term rental markets. Our DSCR program supports STR income where zoning permits.
Northern Delaware is effectively a Philadelphia commuter belt. Rental demand from Philly-metro workers stays consistent across Wilmington and its suburbs.
Whether you're closing a single-asset SFR in a smaller Delaware market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
New Castle County — banking + Philly-metro adjacencies
Kent County — state capital + Dover AFB demand
New Castle County — University of Delaware market
New Castle County — fast-growing Wilmington-adjacent
Sussex County — coastal LTR + STR corridor
Sussex County — secondary markets
SFR corridor between Wilmington and Dover
Statewide coverage — send us any Delaware 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 Delaware 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 Delaware — Wilmington, Dover, Newark, Middletown, Rehoboth Beach, and every other DE metro. Rates from 5.75%, up to 80% LTV.
Delaware 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 Delaware metro. High-volume markets: Wilmington, Dover, Newark, Middletown, Rehoboth Beach. Secondary markets welcome.
Delaware is a compact but dense investor market. Wilmington banking + Philly-metro commuter demand drives premium rentals. Rehoboth Beach and the Sussex County coast add STR opportunity. Consistent rental demand across the state.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Delaware 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 Delaware metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Delaware builders. 85% land + 85% build. $100K–$7.5M.