Long-term rental financing for investment properties across Virginia — 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 Virginia 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.
Virginia combines Northern Virginia federal + data-center employment with Hampton Roads military demand and Richmond state-capital stability. Universities round out predictable long-term rental demand across the state.
Northern Virginia hosts the deepest federal + defense-contractor employer base in the country outside DC itself, plus the world's largest data-center corridor (Loudoun County). Stable, high-income rental demand.
Norfolk Naval Base, Naval Station Norfolk, Langley AFB, and multiple military installations anchor deep military rental demand across Hampton Roads.
Charlottesville (UVA), Blacksburg (Virginia Tech), and Williamsburg (William & Mary) provide stable university-anchored rental demand across the state.
Whether you're closing a single-asset SFR in a smaller Virginia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Fairfax + Loudoun + Prince William — DC-metro + data-center corridor
Henrico + Chesterfield counties — state capital
Virginia Beach, Norfolk, Chesapeake, Newport News — military-anchored
Albemarle County — University of Virginia
Roanoke County — SW Virginia SFR
Montgomery County — Virginia Tech market
Central + Northern Virginia secondary markets
Statewide coverage — send us any Virginia 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 Virginia 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 Virginia — Northern Virginia, Richmond Metro, Hampton Roads, Charlottesville, Roanoke, and every other VA metro. Rates from 5.75%, up to 80% LTV.
Virginia 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 Virginia metro. High-volume markets: Northern Virginia, Richmond Metro, Hampton Roads, Charlottesville, Roanoke. Secondary markets welcome.
Virginia combines Northern Virginia federal + data-center employment with Hampton Roads military demand and Richmond state-capital stability. Universities round out predictable long-term rental demand across the state.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Virginia 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 Virginia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Virginia builders. 85% land + 85% build. $100K–$7.5M.