Long-term rental financing for investment properties across Maryland — 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 Maryland 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.
Maryland delivers two rental strategies: DC-metro commuter belts (Prince George's, Montgomery) for premium LTR to federal/biotech workers, and Baltimore SFR for cash-flow yield. Both work — pick your play.
Prince George's and Montgomery counties are core DC-metro commuter belts. Rental demand from federal workers, contractors, and biotech/pharma employees stays consistent.
The Maryland side of the DC metro hosts NIH, FDA, NSA (Fort Meade), and a deep biotech corridor (Bethesda, Rockville, Gaithersburg). Stable long-term employment.
Baltimore City and County offer deep SFR inventory with real cash-flow opportunity for portfolio investors focused on income.
Whether you're closing a single-asset SFR in a smaller Maryland market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Baltimore County + Baltimore City
DC-metro commuter belt + Bowie, Laurel, Upper Marlboro
Rockville, Silver Spring, Gaithersburg, Bethesda — DC-metro
Frederick County — Western Maryland
Anne Arundel County — state capital + USNA demand
Washington County — Western MD SFR
Wicomico County + coastal markets
Statewide coverage — send us any Maryland 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 Maryland 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 Maryland — Baltimore Metro, Prince George's County, Montgomery County, Frederick, Annapolis, and every other MD metro. Rates from 5.75%, up to 80% LTV.
Maryland 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 Maryland metro. High-volume markets: Baltimore Metro, Prince George's County, Montgomery County, Frederick, Annapolis. Secondary markets welcome.
Maryland delivers two rental strategies: DC-metro commuter belts (Prince George's, Montgomery) for premium LTR to federal/biotech workers, and Baltimore SFR for cash-flow yield. Both work — pick your play.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Maryland 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 Maryland metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Maryland builders. 85% land + 85% build. $100K–$7.5M.