Long-term rental financing for investment properties across New Jersey — 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 New Jersey 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.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
New Jersey is uniquely positioned between two of the largest US metros. Bergen, Hudson, Essex counties feed NYC; Camden and Cherry Hill feed Philadelphia. Deep dual-market rental demand.
Central New Jersey hosts one of the deepest pharma employer bases in the world (Merck, J&J, Bristol Myers). Northern New Jersey adds finance and tech. Stable long-term employment.
The Jersey Shore hosts one of the most active summer STR markets in the country. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller New Jersey market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Essex + Hudson counties — NYC-metro premium LTR
Hackensack, Fort Lee, Paramus — NYC commuter belt
New Brunswick, Edison, Woodbridge — pharma + Rutgers
Red Bank, Freehold, Long Branch — shore corridor
Mercer County — state capital + Princeton
Philly-metro South Jersey commuter belt
Coastal STR + LTR corridors
Statewide coverage — send us any New Jersey 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 New Jersey 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 New Jersey — Newark & Jersey City, Bergen County, Middlesex County, Monmouth County, Trenton & Princeton, and every other NJ metro. Rates from 5.75%, up to 80% LTV.
New Jersey 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 New Jersey metro. High-volume markets: Newark & Jersey City, Bergen County, Middlesex County, Monmouth County, Trenton & Princeton. Secondary markets welcome.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on New Jersey 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 New Jersey metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for New Jersey builders. 85% land + 85% build. $100K–$7.5M.