Long-term rental financing for investment properties across North Carolina — 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 North Carolina 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.
NC is a top-tier investor state. Charlotte and the Research Triangle are sustained-growth job markets attracting steady in-migration. Non-judicial foreclosure and landlord-friendly statutes keep timelines predictable. Rental demand is deep across every metro.
Charlotte is a top-five US banking hub. The Research Triangle (Raleigh-Durham-Chapel Hill) anchors an unusually dense concentration of tech, biotech, and higher-education employers. Both metros pull in steady, high-income renters.
North Carolina is a non-judicial foreclosure state with a predictable eviction process and landlord-friendly statutes. Holding costs stay projectable for cash-flow modeling.
NC has ranked among the top states for net domestic migration for years running. That inflow shows up as sustained rental demand in every metro from the mountains to the coast.
Whether you're closing a single-asset SFR in a smaller North Carolina market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Concord, Huntersville, Matthews, Mint Hill, Fort Mill (SC-adjacent)
Cary, Apex, Wake Forest, Garner, Holly Springs
Research Triangle core — Morrisville, Hillsborough
Piedmont Triad — plus High Point, Kernersville
Forsyth County + smaller Triad markets
Buncombe County — LTR + mountain STR corridor
Coastal SFR, plus Leland, Hampstead, Wrightsville
Statewide coverage — send us any North Carolina 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 North Carolina 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 North Carolina — Charlotte Metro, Raleigh, Durham + Chapel Hill, Greensboro, Winston-Salem, and every other NC metro. Rates from 5.75%, up to 80% LTV.
North Carolina 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 North Carolina metro. High-volume markets: Charlotte Metro, Raleigh, Durham + Chapel Hill, Greensboro, Winston-Salem. Secondary markets welcome.
NC is a top-tier investor state. Charlotte and the Research Triangle are sustained-growth job markets attracting steady in-migration. Non-judicial foreclosure and landlord-friendly statutes keep timelines predictable. Rental demand is deep across every metro.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on North Carolina 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 North Carolina metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for North Carolina builders. 85% land + 85% build. $100K–$7.5M.