Long-term rental financing for investment properties across Pennsylvania — 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 Pennsylvania 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.
Pennsylvania pairs Philadelphia + Pittsburgh anchor metros with a deep set of cash-flow secondaries (Erie, Scranton, Wilkes-Barre, Harrisburg). Lehigh Valley logistics adds a major growth angle. Real yield markets for portfolio investors.
Pittsburgh has repositioned around Carnegie Mellon-driven robotics + AI, plus a deep healthcare employer base (UPMC). Steady, high-quality employment drives rental demand.
The Lehigh Valley (Allentown, Bethlehem, Easton) has become one of the largest East Coast logistics and distribution hubs — Amazon, FedEx, and dozens of anchor tenants. Long-term rental demand.
Erie, Scranton, Wilkes-Barre, and Harrisburg offer some of the highest cash-on-cash yields in the Northeast. Real income for portfolio investors focused on cash flow.
Whether you're closing a single-asset SFR in a smaller Pennsylvania market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Philly + Bucks + Montgomery + Delaware counties
Allegheny County — tech + healthcare hub
Lehigh + Northampton — logistics corridor
Dauphin + Cumberland counties — state capital
Lancaster County — SFR + suburban growth
Erie County — Northwest PA cash-flow market
Northeast PA — NYC/Philly overflow + cash-flow SFR
Statewide coverage — send us any Pennsylvania 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 Pennsylvania 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 Pennsylvania — Philadelphia Metro, Pittsburgh, Allentown & Lehigh Valley, Harrisburg, Lancaster, and every other PA metro. Rates from 5.75%, up to 80% LTV.
Pennsylvania 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 Pennsylvania metro. High-volume markets: Philadelphia Metro, Pittsburgh, Allentown & Lehigh Valley, Harrisburg, Lancaster. Secondary markets welcome.
Pennsylvania pairs Philadelphia + Pittsburgh anchor metros with a deep set of cash-flow secondaries (Erie, Scranton, Wilkes-Barre, Harrisburg). Lehigh Valley logistics adds a major growth angle. Real yield markets for portfolio investors.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Pennsylvania 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 Pennsylvania metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Pennsylvania builders. 85% land + 85% build. $100K–$7.5M.