Long-term rental financing for investment properties across Indiana — 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 Indiana 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.
Indiana is one of the deeper cash-flow rental markets in the Midwest. Affordable acquisition basis across Indianapolis, Fort Wayne, and secondary markets drives real cash-on-cash yields. Central Indiana continues to see population and employment growth. Landlord-friendly statutes support projectable holds.
Indianapolis and Indiana secondary markets offer entry price-points that make the yield math work — real cash-on-cash returns even after debt service.
Metro Indianapolis has seen sustained employment and population growth, with logistics, life sciences, and manufacturing employers anchoring long-term rental demand.
Indiana statutes are considered landlord-friendly with predictable eviction timelines. Holding costs stay projectable for cash-flow modeling.
Whether you're closing a single-asset SFR in a smaller Indiana market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Marion County + Carmel, Fishers, Noblesville, Greenwood, Avon
Allen County — SFR + small-multi cash-flow
Vanderburgh County — high-yield Midwest markets
St. Joseph County — Notre Dame demand + Michiana
Monroe County — Indiana University market
Tippecanoe County — Purdue University demand
Central Indiana secondary markets — Ball State + ISU demand
Statewide coverage — send us any Indiana 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 Indiana 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 Indiana — Indianapolis Metro, Fort Wayne, Evansville, South Bend, Bloomington, and every other IN metro. Rates from 5.75%, up to 80% LTV.
Indiana 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 Indiana metro. High-volume markets: Indianapolis Metro, Fort Wayne, Evansville, South Bend, Bloomington. Secondary markets welcome.
Indiana is one of the deeper cash-flow rental markets in the Midwest. Affordable acquisition basis across Indianapolis, Fort Wayne, and secondary markets drives real cash-on-cash yields. Central Indiana continues to see population and employment growth. Landlord-friendly statutes support projectable holds.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Indiana 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 Indiana metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Indiana builders. 85% land + 85% build. $100K–$7.5M.