Long-term rental financing for investment properties across Oklahoma — 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 Oklahoma 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.
Oklahoma is one of the highest-yield SFR markets in the country. OKC + Tulsa energy and aerospace anchors drive stable demand. Fort Sill (Lawton) and OU/OSU provide military + university stability. Landlord-friendly law rounds it out.
Oklahoma City and Tulsa host deep energy (Devon, Chesapeake) and aerospace (Boeing, American Airlines Tulsa MRO) employer bases. Stable long-term employment supports rental demand.
Oklahoma acquisition basis stays among the lowest relative to gross rents in the country. Real cash-on-cash returns for buy-and-hold investors.
Oklahoma statutes are landlord-friendly with predictable eviction timelines. Holding costs stay projectable.
Whether you're closing a single-asset SFR in a smaller Oklahoma market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Oklahoma County + Edmond, Norman, Moore, Yukon
Tulsa County + Broken Arrow, Owasso, Bixby
Cleveland County — OU market
Comanche County — Fort Sill demand
Central + Southern OK secondary markets
Payne County — Oklahoma State University
Northeast Oklahoma secondary markets
Statewide coverage — send us any Oklahoma 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 Oklahoma 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 Oklahoma — Oklahoma City Metro, Tulsa Metro, Norman, Lawton, Enid & Ardmore, and every other OK metro. Rates from 5.75%, up to 80% LTV.
Oklahoma 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 Oklahoma metro. High-volume markets: Oklahoma City Metro, Tulsa Metro, Norman, Lawton, Enid & Ardmore. Secondary markets welcome.
Oklahoma is one of the highest-yield SFR markets in the country. OKC + Tulsa energy and aerospace anchors drive stable demand. Fort Sill (Lawton) and OU/OSU provide military + university stability. Landlord-friendly law rounds it out.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Oklahoma 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 Oklahoma metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Oklahoma builders. 85% land + 85% build. $100K–$7.5M.