Long-term rental financing for investment properties across Louisiana — 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 Louisiana 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.
Louisiana is a mixed-strategy market. New Orleans supports LTR + STR mixed portfolios. Baton Rouge combines state-capital + LSU stability. Industrial corridors along the Mississippi anchor cash-flow SFR.
New Orleans hosts one of the most active STR markets in the South where zoning permits. Our DSCR program supports STR income on qualifying properties.
Baton Rouge combines state-capital employment with LSU + the LSU medical complex, driving stable long-term rental demand.
Lake Charles, Baton Rouge, and the Mississippi River industrial corridor host deep petrochemical and industrial employment that supports steady rental demand.
Whether you're closing a single-asset SFR in a smaller Louisiana market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Orleans + Jefferson parishes — LTR + STR corridors
East Baton Rouge Parish — state capital + LSU
Caddo Parish — Northwest Louisiana
Lafayette Parish — Acadiana + oil/gas services
Calcasieu Parish — petrochemical corridor
Ouachita Parish — Northeast Louisiana
Central Louisiana secondary market
Statewide coverage — send us any Louisiana 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 Louisiana 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 Louisiana — New Orleans Metro, Baton Rouge, Shreveport, Lafayette, Lake Charles, and every other LA metro. Rates from 5.75%, up to 80% LTV.
Louisiana 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 Louisiana metro. High-volume markets: New Orleans Metro, Baton Rouge, Shreveport, Lafayette, Lake Charles. Secondary markets welcome.
Louisiana is a mixed-strategy market. New Orleans supports LTR + STR mixed portfolios. Baton Rouge combines state-capital + LSU stability. Industrial corridors along the Mississippi anchor cash-flow SFR.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Louisiana 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 Louisiana metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Louisiana builders. 85% land + 85% build. $100K–$7.5M.