Long-term rental financing for investment properties across Texas — 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 Texas 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.
Texas is one of the largest and most active rental investment markets in the United States. The state has no state income tax, landlord-friendly statutes (including a streamlined non-judicial eviction process), and continued population and job growth across major metros — all of which support strong rental demand.
Rental income and capital gains from Texas properties are not subject to state-level income tax. That's a real yield boost that compounds over the life of the hold.
Texas allows non-judicial eviction under standard lease breaches and typical timelines run 30–45 days from filing to writ of possession. No rent control at the state level.
Texas continues to lead the country in domestic migration inflow. Dallas-Fort Worth, Houston, Austin, and San Antonio have all seen sustained population and employment growth that supports rental demand.
Whether you're closing a single-asset SFR in a smaller Texas market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Greater Houston metro — including Sugar Land, The Woodlands, Katy, Pearland
DFW metroplex — Arlington, Plano, Frisco, McKinney, Denton, Irving
San Antonio–New Braunfels — plus Schertz, Cibolo, Universal City
Austin–Round Rock — including Cedar Park, Georgetown, Pflugerville
Border-market SFR and small-multi
Coastal SFR + long-term rentals
Central Texas secondary markets
Statewide coverage — send us any Texas 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 Texas 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 Texas — Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, and every other TX metro. Rates from 5.75%, up to 80% LTV.
Texas 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 Texas metro. High-volume markets: Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso. Secondary markets welcome.
Texas is one of the largest and most active rental investment markets in the United States. The state has no state income tax, landlord-friendly statutes (including a streamlined non-judicial eviction process), and continued population and job growth across major metros — all of which support strong rental demand.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Texas 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 Texas metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Texas builders. 85% land + 85% build. $100K–$7.5M.