Long-term rental financing for investment properties across Wyoming — 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 Wyoming 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.
Wyoming pairs no-state-income-tax advantage with premium Jackson STR opportunity and federal + energy employment anchors. Small but investor-friendly state with real business + trust law advantages.
Wyoming has no state income tax on rental income — a real yield advantage. The state also has some of the most favorable business + trust laws in the country.
Jackson (Teton County) hosts one of the most active premium STR markets in the country adjacent to Grand Teton and Yellowstone. Our DSCR program supports STR income where zoning permits.
Cheyenne (F.E. Warren AFB, state capital) and the Powder River Basin (energy) provide stable employment across the state.
Whether you're closing a single-asset SFR in a smaller Wyoming market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Laramie County — state capital + F.E. Warren AFB
Natrona County — Central Wyoming energy
Albany County — University of Wyoming
Teton County — resort STR corridor
Campbell County — coal + energy
Sweetwater County — trona mining + energy
Northern Wyoming secondary markets
Statewide coverage — send us any Wyoming 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 Wyoming 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 Wyoming — Cheyenne, Casper, Laramie, Jackson, Gillette, and every other WY metro. Rates from 5.75%, up to 80% LTV.
Wyoming 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 Wyoming metro. High-volume markets: Cheyenne, Casper, Laramie, Jackson, Gillette. Secondary markets welcome.
Wyoming pairs no-state-income-tax advantage with premium Jackson STR opportunity and federal + energy employment anchors. Small but investor-friendly state with real business + trust law advantages.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Wyoming 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 Wyoming metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Wyoming builders. 85% land + 85% build. $100K–$7.5M.