Long-term rental financing for investment properties across Idaho — 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 Idaho 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.
Idaho is a top-inflow state. Boise metro (Meridian, Nampa, Eagle) has been among the fastest-growing corridors in the country. Sustained migration and job growth anchor rental demand. Landlord-friendly law rounds it out.
Idaho has been among the fastest-growing states in the US by net domestic migration for years. Rental demand across Boise metro in particular stays deep.
Meridian and Nampa are among the fastest-growing cities in the country. Employment and population growth support long-term rental demand across the Treasure Valley.
Idaho statutes are landlord-friendly with predictable eviction timelines. Holding costs stay projectable across the state.
Whether you're closing a single-asset SFR in a smaller Idaho market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Meridian, Nampa, Caldwell, Eagle — fastest-growing corridor
Bonneville County — Eastern Idaho
Kootenai County — Northern Idaho + Spokane adjacencies
Twin Falls County — Magic Valley SFR
Bannock County — Idaho State University
Nez Perce County — Snake River corridor
Resort STR corridors (zoning-dependent)
Statewide coverage — send us any Idaho 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 Idaho 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 Idaho — Boise Metro, Idaho Falls, Coeur d'Alene, Twin Falls, Pocatello, and every other ID metro. Rates from 5.75%, up to 80% LTV.
Idaho 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 Idaho metro. High-volume markets: Boise Metro, Idaho Falls, Coeur d'Alene, Twin Falls, Pocatello. Secondary markets welcome.
Idaho is a top-inflow state. Boise metro (Meridian, Nampa, Eagle) has been among the fastest-growing corridors in the country. Sustained migration and job growth anchor rental demand. Landlord-friendly law rounds it out.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Idaho 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 Idaho metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Idaho builders. 85% land + 85% build. $100K–$7.5M.