Long-term rental financing for investment properties across Florida — 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 Florida 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.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
Rental income and capital gains from Florida properties are not subject to state income tax — a meaningful yield boost over the hold period.
Florida continues to attract high volumes of domestic migration — retirees, remote workers, and families relocating from higher-tax states. Rental demand stays deep across every metro.
Metros like Orlando, Miami, and the Gulf Coast have active short-term rental markets alongside long-term rentals — Florida investors often run mixed strategies on the same portfolio.
Whether you're closing a single-asset SFR in a smaller Florida market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Miami, Miami Beach, Doral, Hialeah — LTR + STR scenarios
Tampa, St. Petersburg, Clearwater, Brandon
Metro Orlando — including Kissimmee, Davenport, Lake Nona (STR corridor)
Duval County, Ponte Vedra, St. Augustine
Broward County, Coral Springs, Hollywood, Pompano Beach
Southwest Florida — Naples, Bonita Springs, Estero
Sarasota, Bradenton, Pensacola, Panama City
Statewide coverage — send us any Florida 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 Florida 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 Florida — Miami–Dade, Tampa Bay, Orlando, Jacksonville, Fort Lauderdale, and every other FL metro. Rates from 5.75%, up to 80% LTV.
Florida 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 Florida metro. High-volume markets: Miami–Dade, Tampa Bay, Orlando, Jacksonville, Fort Lauderdale. Secondary markets welcome.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Florida 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 Florida metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Florida builders. 85% land + 85% build. $100K–$7.5M.