Long-term rental financing for investment properties across Massachusetts — 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 Massachusetts 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.
Massachusetts pairs premium Boston-metro appreciation plays with cash-flow secondaries (Springfield, Worcester, Fall River, New Bedford). Biotech + tech employer depth is unmatched. Universities anchor rental demand across every metro.
Kendall Square, the Longwood Medical Area, and Route 128 anchor the deepest biotech and tech employer bases in the country outside Silicon Valley. Rental demand stays premium.
Boston metro hosts more universities per capita than any US metro. Cambridge, Boston University, Northeastern, and dozens more anchor consistent student and post-grad rental demand.
Springfield, Worcester, New Bedford, and Fall River offer real cash-on-cash yields — the yield markets New England investors use to balance premium Boston-metro appreciation plays.
Whether you're closing a single-asset SFR in a smaller Massachusetts market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Suffolk + Middlesex counties — premium LTR
Worcester County — Central Massachusetts SFR
Hampden County — Western MA + cash-flow markets
Merrimack Valley — Boston-adjacent cash-flow
Barnstable County — coastal STR corridor
South Coast — high-yield SFR
MetroWest Boston commuter suburbs
Statewide coverage — send us any Massachusetts 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 Massachusetts 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 Massachusetts — Boston Metro, Worcester, Springfield, Lowell & Lawrence, Cape Cod, and every other MA metro. Rates from 5.75%, up to 80% LTV.
Massachusetts 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 Massachusetts metro. High-volume markets: Boston Metro, Worcester, Springfield, Lowell & Lawrence, Cape Cod. Secondary markets welcome.
Massachusetts pairs premium Boston-metro appreciation plays with cash-flow secondaries (Springfield, Worcester, Fall River, New Bedford). Biotech + tech employer depth is unmatched. Universities anchor rental demand across every metro.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Massachusetts 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 Massachusetts metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Massachusetts builders. 85% land + 85% build. $100K–$7.5M.