Long-term rental financing for investment properties across West 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 West 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.
West Virginia delivers surprising investor value. Eastern Panhandle (Martinsburg) is a DC-metro commuter belt. Morgantown pairs WVU with Pittsburgh-metro adjacency. Statewide, WV offers some of the highest cash-flow yields in the country.
Martinsburg and Charles Town (Jefferson County) have become active DC-metro commuter markets. Rental demand from federal workers seeking lower cost of living stays consistent.
Morgantown combines WVU + healthcare + Pittsburgh-metro adjacency. Rental demand from students, healthcare workers, and Pittsburgh commuters supports the market.
West Virginia acquisition basis stays among the lowest in the country relative to gross rents. Real cash-on-cash returns for portfolio investors focused on income.
Whether you're closing a single-asset SFR in a smaller West Virginia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Kanawha County — state capital
Cabell County — Ohio River + Marshall University
Monongalia County — WVU + Pittsburgh-adjacent
Ohio County — Northern Panhandle
Wood County — Mid-Ohio Valley
Berkeley County — DC-metro commuter belt (Eastern Panhandle)
Raleigh County — Southern WV secondary
Statewide coverage — send us any West 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 West 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 West Virginia — Charleston, Huntington, Morgantown, Wheeling, Parkersburg, and every other WV metro. Rates from 5.75%, up to 80% LTV.
West 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 West Virginia metro. High-volume markets: Charleston, Huntington, Morgantown, Wheeling, Parkersburg. Secondary markets welcome.
West Virginia delivers surprising investor value. Eastern Panhandle (Martinsburg) is a DC-metro commuter belt. Morgantown pairs WVU with Pittsburgh-metro adjacency. Statewide, WV offers some of the highest cash-flow yields in the country.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on West 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 West Virginia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for West Virginia builders. 85% land + 85% build. $100K–$7.5M.