Long-term rental financing for investment properties across Tennessee — 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 Tennessee 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.
TN is a top-tier investor state. No state income tax. Nashville has been on a decade-long growth run; Memphis offers some of the highest cash-flow SFR yields in the country. Landlord-friendly statutes support projectable holds.
Tennessee has no state income tax on rental income or capital gains — a meaningful yield boost that compounds over the hold period.
Nashville has been on a decade-long run of population, employment, and rent growth. Memphis offers some of the highest cash-on-cash SFR yields in the country. Both work — pick the strategy.
Tennessee statutes are considered landlord-friendly with predictable eviction and non-judicial foreclosure processes. Holding costs stay projectable for cash-flow modeling.
Whether you're closing a single-asset SFR in a smaller Tennessee market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Franklin, Brentwood, Murfreesboro, Hendersonville, Mount Juliet, Spring Hill
Shelby County — high-yield SFR corridor; DeSoto MS adjacent
Knox County — Farragut, Maryville, Oak Ridge
Hamilton County — plus Signal Mountain, East Ridge
Fort Campbell demand + Nashville-adjacent growth
Williamson County — premium Nashville-metro rentals
Northeast TN — Kingsport, Bristol
Statewide coverage — send us any Tennessee 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 Tennessee 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 Tennessee — Nashville Metro, Memphis, Knoxville, Chattanooga, Clarksville, and every other TN metro. Rates from 5.75%, up to 80% LTV.
Tennessee 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 Tennessee metro. High-volume markets: Nashville Metro, Memphis, Knoxville, Chattanooga, Clarksville. Secondary markets welcome.
TN is a top-tier investor state. No state income tax. Nashville has been on a decade-long growth run; Memphis offers some of the highest cash-flow SFR yields in the country. Landlord-friendly statutes support projectable holds.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Tennessee 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 Tennessee metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Tennessee builders. 85% land + 85% build. $100K–$7.5M.