Long-term rental financing for investment properties across Washington — 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 Washington 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.
Washington pairs no-state-income-tax advantage with Seattle-metro tech premium rentals (Amazon, Microsoft, Boeing). Tacoma + JBLM add military stability. Spokane and Vancouver round out the state with secondary market opportunities.
Washington has no state income tax on wages — a meaningful yield boost for investment property owners over the hold period.
Amazon, Microsoft, Boeing, plus a deep enterprise software ecosystem (Bellevue, Redmond, Kirkland) anchor premium rental demand across the Seattle metro.
Joint Base Lewis-McChord (JBLM) is one of the largest military bases on the West Coast. Anchor military rental demand across Tacoma and Pierce County.
Whether you're closing a single-asset SFR in a smaller Washington market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
King County — plus Bellevue, Redmond, Kirkland (tech corridor)
Pierce County — Seattle-adjacent SFR + JBLM demand
Spokane County — Eastern Washington + Idaho adjacencies
Clark County — Portland-metro north side
Thurston County — state capital
Whatcom County — WWU + Canadian border market
Kennewick, Pasco, Richland — Hanford + agriculture
Statewide coverage — send us any Washington 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 Washington 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 Washington — Seattle Metro, Tacoma, Spokane, Vancouver (WA), Olympia, and every other WA metro. Rates from 5.75%, up to 80% LTV.
Washington 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 Washington metro. High-volume markets: Seattle Metro, Tacoma, Spokane, Vancouver (WA), Olympia. Secondary markets welcome.
Washington pairs no-state-income-tax advantage with Seattle-metro tech premium rentals (Amazon, Microsoft, Boeing). Tacoma + JBLM add military stability. Spokane and Vancouver round out the state with secondary market opportunities.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Washington 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 Washington metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Washington builders. 85% land + 85% build. $100K–$7.5M.