“Excellent communication and expediency”
Amazing experience with Bryce! Excellent communication and expediency throughout the entire transaction. They were able to close our emergency deal in less than 48 business hours!
Ahmad A.
Real estate loan
Rental Loans Hassle-Free With Flexible Terms
High leverage, fast approvals, and custom terms to fit your strategy.
Axelrad Capital offers long-term rental loans designed for real estate investors, whether you're buying, refinancing, or cashing out. Flexible DSCR-based underwriting and up to 85% LTV help you scale with confidence.
- Up to 85% Loan-to-Value
- Terms up to 30 years
- Rates starting at 7.125%
The short answer
What is a rental loan?
A rental loan, often called a DSCR loan, is a long-term mortgage on an investment property that qualifies on the property's rent rather than your personal income. Axelrad's program lends from $75,000 to $5,000,000 at up to 85% LTV, with 30-year fixed and 5/6, 7/6 and 10/6 ARM options, interest-only available, and no personal or business income verification.
Rental loan terms at a glance
- Loan amount
- $75,000 to $5,000,000, with lower blanket exceptions.
- Leverage
- Up to 85% LTV on purchase and rate-and-term refinance. Up to 75% on cash-out.
- Terms
- 30-year fixed, or 5/6, 7/6 and 10/6 ARMs. Interest-only available.
- Rates
- Starting at 7.125% as of November 2026. Starting rate for the strongest borrowers. Your rate depends on credit, leverage and DSCR. Rate locks available.
- Underwriting
- DSCR as low as 0.75x. No personal or business income verification.
- FICO
- 620 on standard terms. Specialty programs go as low as 550, and some have no FICO requirement.
- Properties
- 1–4 unit residential and 5+ unit multifamily (non-owner-occupied), plus commercial and mixed-use.
- Minimum value
- $100,000 as-is appraised value.
- Borrowers
- LLCs and individuals.
- Prepayment
- Many options, including no prepayment penalty.
Available in all U.S. states. Geographic restrictions may apply.
1–4 family long-term rental leverage matrix
Leverage is set by FICO score. The loan amount is the lesser of LTV or LTC.
| FICO score | Purchase (LTV / LTC) | Rate/term refi | Cash-out refi |
|---|---|---|---|
| 740+ | 85% / NA | 85% / NA | 75% / NA |
| 720–739 | 80% / 80% | 80% / NA | 75% / NA |
| 700–719 | 80% / 80% | 80% / NA | 75% / NA |
| 680–699 | 75% / 75% | 75% / NA | 70% / NA |
| 660–679 | 70% / 70% | 65% / NA | 60% / NA |
| Foreign national | 75% | 75% | 65% |
- Specialty programs for scores under 660, including no-FICO options, are handled program by program.
- LTC does not apply to rate/term and cash-out refinances, but may be reviewed in evaluating project cost basis.
- Foreign nationals may qualify for a +5% LTV boost with DSCR of 1.30x or higher and 12+ months of verified reserves (excluding cash-out proceeds).
- Short-term rental collateral is subject to a 75% maximum LTV/LTC, with a possible 5% discount.
- Exceptions may apply and are subject to pricing desk approval and underwriting discretion.
DSCR Calculator
Will the rent cover the loan?
DSCR is the monthly rent divided by the full monthly payment: the loan payment plus taxes, insurance, flood insurance and HOA dues. At 1.00 the rent exactly covers it.
Why it is different
Why Axelrad rental loans are different
High leverage
Up to 85% LTV for a purchase, a refinance or a cash-out.
Long-term and short-term rentals
Built for long-term rentals and Airbnb-style short-term rentals.
Qualify on the property
DSCR as low as 0.75x, with no personal or business income verification.
Fees rolled in
Roll fees into the loan with LTV stacking.
Foreign national friendly
A separate leverage line for foreign nationals, shown in the matrix above.
Fixed, ARM and interest-only
30-year fixed, 5/6, 7/6 and 10/6 ARMs, and interest-only options.
Ready to scale up your portfolio?
- Use for purchase, refinance or cash-out
- Eligible entities: LLCs and individuals
- Rate locks available
- No tax returns required
- Available in all U.S. states
- Foreign nationals considered
Our Success Stories
5.0★★★★★29 reviews on Google · Read them
“Total transparency”
Truly quality people. Polite, professional, and always kept the line of communication open. Total transparency which is KEY in lending. I highly recommend. We used them for a BRIDGE loan and will use them again for our next investment property.
Nic B.
“Someone in your corner”
If you want certainty and someone in your corner who will go the extra mile to get your deal done, there’s no one better to work with than Axelrad.
Travis M.
“The easiest to work with”
My experience with Axelrad Cap and Bryce has been top notch. We’ve closed on three transactional deals together and without question, he’s the easiest to work with and operates with the most integrity.
Dan S.
“Dealmakers not dealbreakers”
I’ve used Bryce and his team for several transactions and they always provide the highest level of customer service, they know what they’re doing, and they are dealmakers not dealbreakers.
Green Root Development
“Went way above and beyond”
I was in a bind on a property; needed funds to prevent losing the contract. … Bryce explained what needed to be done in the future to ensure fewer hiccups, then went WAY above and beyond to rush everything that same day to make sure we got the deal closed.
Americo P.
“You couldn't dream of a better lending partner”
You couldn't dream of a better lending partner to work with than the team at Axelrad Capital! In an industry that often feels so cold & transactional, Bryce and his team make you feel like VIP's!
Aaron W.
“Professional, transparent, and always went above and beyond”
Their commitment to high integrity and exceptional service is truly impressive. From start to finish, they were professional, transparent, and always went above and beyond to meet my needs.
Seth A.
“Sharp, responsive”
Bryce is sharp, responsive, and understands how to structure deals efficiently and quickly.
LeadMasters Property LLC
“Creative with difficult deals”
They have a strong desire and willingness to be creative with difficult deals.
Robert
“Always ready to pick up the phone”
They have a ton of resources and a team member is always ready to pick up the phone and help move the project forward.
Brian A.
Common Questions
What people actually ask before they apply.
What is a rental loan?
A rental loan, often called a DSCR loan, is a long-term mortgage on an investment property that qualifies on the property's rent rather than your personal income. Axelrad's program lends from $75,000 to $5,000,000 at up to 85% LTV, with no personal or business income verification.
What is DSCR, and what do I need?
DSCR (debt service coverage ratio) is the monthly rent divided by the full monthly payment: the loan payment plus taxes, insurance, flood insurance and HOA dues. At 1.00 the rent exactly covers it. Axelrad's rental loan program lists DSCR as low as 0.75x.
How much can I borrow on a rental property?
Leverage depends on your FICO tier. At 740+ it is up to 85% LTV on a purchase or rate-and-term refinance and up to 75% on a cash-out refinance. At the 660–679 tier it is 70% on a purchase, 65% on a rate-and-term refinance and 60% on a cash-out refinance. The loan amount is the lesser of LTV or LTC, and exceptions are subject to pricing desk approval.
What credit score do I need for a rental loan?
Standard rental loan terms list a minimum FICO of 620. Specialty programs go as low as 550, and some have no FICO requirement. Leverage steps up with a higher score: the leverage matrix runs from 660 to 740+, and lower scores are handled program by program.
What are rental loan rates and terms?
Rates start at 7.125% as of November 2026. Starting rate for the strongest borrowers. Your rate depends on credit, leverage and DSCR. Terms are 30-year fixed or 5/6, 7/6 and 10/6 ARMs, with interest-only available. Rate locks are available for purchases, rate-and-term refinances and cash-out refinances.
Do I need tax returns or income verification?
No. Axelrad's DSCR rental loans qualify on the property's income, with no personal or business income verification and no tax returns required. Other documentation options are available.
What properties qualify for a rental loan?
Non-owner-occupied 1–4 unit residential and 5+ unit multifamily: single-family, condo and non-warrantable condo, PUD, and condotel, plus commercial and mixed-use. The minimum as-is appraised value is $100,000, and geographic restrictions may apply.
Can I finance a short-term rental or Airbnb property?
Yes. The program is built for long-term and short-term rentals. Short-term rental collateral is subject to a 75% maximum LTV/LTC, with a possible 5% discount.
Do you lend to foreign nationals?
Yes. Foreign nationals can borrow up to 75% on a purchase or rate-and-term refinance and 65% on a cash-out refinance, with a possible +5% LTV boost at a DSCR of 1.30x or higher and 12+ months of verified reserves, excluding cash-out proceeds.
Is there a prepayment penalty on a rental loan?
There are many prepayment options, including no prepayment penalty.
Get pre-approved and start scaling
Tell us about the property and the rent. We will tell you what it qualifies for.
Part of this division
The division this program sits inside, and everything else it funds.
Related products
Deals rarely fit one box. These are the programs investors most often compare this one against.
- Bridge LoansShort-term bridge financing up to 95% LTC with 100% rehab financing, 6–24 month terms and no prepayment penalty. Close in 10–14 days.
- Fix & Flip LoansFix & Flip loans up to 95% LTC with 100% of renovation costs covered. Close in days, draws in as fast as 48 hours, rates from 8.9%.
- Hard Money LoansAsset-based lending for real estate investors, underwritten on the property and the exit rather than tax returns, and built to close on your timeline.
- Transactional FundingA direct transactional lender funding 100% of your A–B close for same-day double closings. Points from 1%, no upfront fees, no credit check.
- EMD FundingGator loans and EMD funding the same day with no credit pull, across all asset categories — we put up the earnest money so your capital stays free.
- Portfolio LoansConsolidate multiple rental or investment properties under a single portfolio loan with streamlined terms and competitive rates.
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Written for the person doing the deal, not for search engines.