Long-term rental financing for investment properties across Wisconsin — 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 Wisconsin 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.
Wisconsin pairs Madison stability (state capital + UW + Epic) with Milwaukee metro depth and Southeast WI Chicago-metro spillover. Manufacturing anchors keep secondary-market yields real for portfolio investors.
Madison combines state-capital employment with UW-Madison (one of the largest research universities in the US) and Epic Systems (healthcare software HQ). Deep, stable rental demand.
Southeast Wisconsin's Kenosha and Racine counties feed Chicago-metro employers — rental demand from Illinois commuters seeking Wisconsin cost of living.
Green Bay, Appleton, and the Fox Valley host deep paper + manufacturing employer bases that support long-term rental demand.
Whether you're closing a single-asset SFR in a smaller Wisconsin market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Milwaukee + Waukesha counties
Dane County — state capital + UW-Madison
Brown County — Northeast WI
Southeast WI — Chicago-metro adjacencies
Outagamie County — Fox Valley
Eau Claire County — Western Wisconsin + UWEC
Western + Central Wisconsin secondary markets
Statewide coverage — send us any Wisconsin 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 Wisconsin 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 Wisconsin — Milwaukee Metro, Madison, Green Bay, Kenosha & Racine, Appleton, and every other WI metro. Rates from 5.75%, up to 80% LTV.
Wisconsin 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 Wisconsin metro. High-volume markets: Milwaukee Metro, Madison, Green Bay, Kenosha & Racine, Appleton. Secondary markets welcome.
Wisconsin pairs Madison stability (state capital + UW + Epic) with Milwaukee metro depth and Southeast WI Chicago-metro spillover. Manufacturing anchors keep secondary-market yields real for portfolio investors.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Wisconsin 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 Wisconsin metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Wisconsin builders. 85% land + 85% build. $100K–$7.5M.