Axelrad Capital
Rental Loan Program

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

Apply Now and Start Scaling

Apply For Funding

Loan Criteria at a Glance
Loan Terms

5/6 ARM, 7/6 ARM, 10/6 ARM, 30-year fixed

Loan Types

Adjustable rate (ARM), fixed rate, and interest only

Loan Amounts

$75,000 minimum with lower blanket exceptions!

Benefits

No personal or business income verification

Apply Now

Rate Locks Available

For Cash-Out Refis, Rate-And-Term Refis, and New Purchases

Up to 85% LTV

Pre-Payment: We have many options, including no PPP

620+ FICO Score

Single-Family and 5+Unit Residential

Commercial & Mixed Use

Eligible Entities: LLCs and Individuals

Available In All states in US

Loan Criteria at a Glance
Loan Terms

5/6 ARM, 7/6 ARM, 10/6 ARM, 30-year fixed

Loan Types

Adjustable rate (ARM), fixed rate, and interest only

Loan Amounts

$75,000 minimum

Benefits

No personal or business income verification

Apply Nowand Start Scaling

Rate Locks Available

For Cash-Out Refis, Rate-And-Term Refis, and New Purchases

Up to 85% LTV

No Tax Returns Required

640+ FICO Score

Single-Family and 5+Unit Residential

Commercial & Mixed Use

Eligible Entities: LLCs and Individuals

Prepayment Penalty: Declining Points

Available In All states in US

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.

The deal
$
%
yrs
$/mo
Yearly property costs
$/yr
$/yr
$/yr
$/yr

1–4 Family Long-Term Rental (LTR) Leverage Matrix

Maximize leverage with clear, FICO-based thresholds. The loan amount is determined as the lesser of LTV or LTC.

Tier-Based Leverage Matrix (LTV / LTC / ARV)
FICO Score
Purchase (LTV/LTC)
Rate/Term Refi
Cash-Out Refi
740+
85% / NA
85% / NA
75% / NA
720–736
80% / 80%
80% / NA
75% / NA
700–716
80% / 80%
80% / NA
75% / NA
680–666
75% / 75%
75% / NA
70% / NA
660–676
70% / 70%
65% / NA
60% / NA
Foreign National
75%
75%
65%

Notes:

LTC is not applicable for Rate/Term and Cash-Out refinances but may be reviewed in evaluating project cost basis.

Foreign Nationals may qualify for a +5% LTV boost if:

DSCR ≥ 1.30x

12+ months of verified reserves (excluding cash-out proceeds)

Short-Term Rental Collateral: Subject to max 75% LTV/LTC, with possible 5% discount.

Exceptions may apply and are subject to pricing desk approval and underwriting discretion.

Apply For Funding

Tier-Based Leverage Matrix (LTV / LTC / ARV)
FICO Score
Purchase (LTV/LTC)
Rate/Term Refi
Cash-Out Refi
740+
85% / NA
85% / NA
75% / NA
720–736
80% / 80%
80% / NA
75% / NA
700–716
80% / 80%
80% / NA
75% / NA
680–666
75% / 75%
75% / NA
70% / NA
660–676
70% / 70%
65% / NA
60% / NA
Foreign National
75%
75%
65%

Notes:

LTC is not applicable for Rate/Term and Cash-Out refinances but may be reviewed in evaluating project cost basis.

Foreign Nationals may qualify for a +5% LTV boost if:

DSCR ≥ 1.30x

12+ months of verified reserves (excluding cash-out proceeds)

Short-Term Rental Collateral: Subject to max 75% LTV/LTC, with possible 5% discount.

Exceptions may apply and are subject to pricing desk approval and underwriting discretion.

Apply For Funding

Why choose Axelrad Capital for Rental Loan Program

Eligible Rental Properties We Finance

1–4 Unit Residential,  5+ Multi (Non-Owner Occupied)

Single-Family, Condo and Non-Warrantable Condo, PUD, and 5+Unit Residential and Condotel

Minimum As-Is Appraised Value: $100,000

Note: Geographic restrictions may apply

Check Eligibility

Flexible Loan Sizes and Use Cases

Loan Range
$75,000 – $5,000,000
Use of Funds
Purchase (Up to 85% LTV/LTC)
Rate & Term Refinance (Up to 85% LTV)
Cash-Out Refinance (Up to 75% LTV)

Investor-Friendly Terms that Work for You

Explore Term Options

Speed. Certainty. Hundreds of Funded Deals.

Check out what
our customers have to say

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.
★★★★★
A blue two-storey house with a landscaped front yard
Google rating
5.0 ★★★★★
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.
★★★★★
An empty living room with wood floors and white walls
Google rating
5.0 ★★★★★
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.
★★★★★
A cul-de-sac of suburban houses with cars in the driveways
Google rating
5.0 ★★★★★
Why choose Axelrad Capital for Rental Loan Program

Why Axelrad Capital Rental Loans Are Different

High Leverage – Up to 85% LTV

Use for Purchase, Refi, or Cash-Out

Ideal for Long-Term & Short-Term Rentals (Airbnb)

Fixed, ARM, and Interest-Only Options

Roll Fees into Loan with LTV Stacking

Foreign National Friendly

Qualify on Property Income Only (DSCR as low as 0.75x)

Get Pre-Approved Now

Ready to Scale Up Your Portfolio?

Let’s Build Something Great

Frequently Asked Questions

Everything you need to know about the product and Company. Can't find the answer you're looking for? chat to our friendly team.

From fix-and-flip and bridge loans to rental loans, DSCR programs, transactional and gator funding, P&L-based financing, and flexible business lines of credit — Axelrad Capital offers tailored solutions for nearly every project or business goal. Just tell us what you need, and we'll make it happen.

Part of

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.

Guides worth reading

Written for the person doing the deal, not for search engines.

Subscribe To Our Newsletter

We care about data in our privacy policy.

CallSubmit your deal