Long-term rental financing for investment properties across Missouri — 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 Missouri 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.
Missouri is a strong cash-flow Midwest market. Kansas City remains one of the more affordable major metros by rent-to-price ratio. St. Louis offers deep SFR inventory with real cash-on-cash yields. Predictable eviction + foreclosure timelines round it out.
KC has seen sustained metro growth and remains one of the more affordable major metros in the country by rent-to-price ratio. Strong logistics + biotech + tech employers.
St. Louis offers deep SFR inventory at low entry basis — one of the highest cash-on-cash yield markets in the country for buy-and-hold investors.
Missouri's eviction and foreclosure processes are predictable. Landlord-friendly statutes keep holds projectable for portfolio investors.
Whether you're closing a single-asset SFR in a smaller Missouri market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Jackson County + Lee's Summit, Independence, Blue Springs, Overland Park (KS)
St. Louis City + County — Clayton, University City, Kirkwood
Greene County — Southwest MO SFR
Boone County — University of Missouri market
Cole County — state capital demand
Jasper County — Southwest MO secondary
Southeast + Northwest MO secondary markets
Statewide coverage — send us any Missouri 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 Missouri 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 Missouri — Kansas City Metro, St. Louis, Springfield, Columbia, Jefferson City, and every other MO metro. Rates from 5.75%, up to 80% LTV.
Missouri 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 Missouri metro. High-volume markets: Kansas City Metro, St. Louis, Springfield, Columbia, Jefferson City. Secondary markets welcome.
Missouri is a strong cash-flow Midwest market. Kansas City remains one of the more affordable major metros by rent-to-price ratio. St. Louis offers deep SFR inventory with real cash-on-cash yields. Predictable eviction + foreclosure timelines round it out.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Missouri 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 Missouri metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Missouri builders. 85% land + 85% build. $100K–$7.5M.