Long-term rental financing for investment properties across New Mexico — 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 Mexico 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 Mexico anchors on federal employment (Sandia, Los Alamos, Kirtland AFB). Santa Fe and Taos add STR opportunity. Affordable acquisition basis supports real cash-flow across ABQ and secondary markets.
Albuquerque and Santa Fe rental demand is anchored by Sandia National Labs and Los Alamos National Laboratory — stable federal employment for the long term.
Kirtland Air Force Base in Albuquerque supports steady military rental demand.
Santa Fe and Taos host active STR markets. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller New Mexico market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Bernalillo County + Rio Rancho
Santa Fe County — state capital + arts market
Doña Ana County — Southern NM + NMSU
Sandoval County — fast-growing ABQ suburb
Southeast NM — Permian Basin adjacencies
San Juan County — Four Corners energy market
Northern NM — resort STR corridor
Statewide coverage — send us any New Mexico 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 Mexico 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 Mexico — Albuquerque Metro, Santa Fe, Las Cruces, Rio Rancho, Roswell & Carlsbad, and every other NM metro. Rates from 5.75%, up to 80% LTV.
New Mexico 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 Mexico metro. High-volume markets: Albuquerque Metro, Santa Fe, Las Cruces, Rio Rancho, Roswell & Carlsbad. Secondary markets welcome.
New Mexico anchors on federal employment (Sandia, Los Alamos, Kirtland AFB). Santa Fe and Taos add STR opportunity. Affordable acquisition basis supports real cash-flow across ABQ and secondary markets.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on New Mexico 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 Mexico metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for New Mexico builders. 85% land + 85% build. $100K–$7.5M.