Long-term rental financing for investment properties across Kansas — 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 Kansas 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.
Kansas is a mixed investor market. Johnson County commuter suburbs deliver premium LTR to KC-metro professionals. Wichita aviation industry anchors long-term demand. Lawrence and Manhattan add university + military stability.
Overland Park, Olathe, Leawood, and Lenexa are among the fastest-growing high-income suburbs in the KC metro. Deep rental demand for professionals working in Kansas City.
Wichita hosts Textron Aviation, Spirit AeroSystems, and a deep aerospace manufacturing base. Stable employment drives long-term rental demand.
Lawrence (KU) and Manhattan (Kansas State + Fort Riley) provide stable, university- and military-anchored rental demand.
Whether you're closing a single-asset SFR in a smaller Kansas market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Johnson County — Kansas City metro (KS side)
Sedgwick County — aviation manufacturing hub
Shawnee County — state capital
Douglas County — University of Kansas
Riley County — Kansas State + Fort Riley demand
Wyandotte County — KC metro west side
Central Kansas secondary markets
Statewide coverage — send us any Kansas 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 Kansas 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 Kansas — Overland Park & Olathe, Wichita, Topeka, Lawrence, Manhattan, and every other KS metro. Rates from 5.75%, up to 80% LTV.
Kansas 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 Kansas metro. High-volume markets: Overland Park & Olathe, Wichita, Topeka, Lawrence, Manhattan. Secondary markets welcome.
Kansas is a mixed investor market. Johnson County commuter suburbs deliver premium LTR to KC-metro professionals. Wichita aviation industry anchors long-term demand. Lawrence and Manhattan add university + military stability.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Kansas 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 Kansas metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Kansas builders. 85% land + 85% build. $100K–$7.5M.