Rental Property Loan

The Rental Property Loan is designed for borrowers seeking a streamlined loan solution. This loan comes as a fixed rate or hybrid ARM product with each offering a 30 year loan term and amortization. Leverage up to an 80% LTV on acquisitions and rate/term refinancing or up to a 75% LTV on refinancing with cash-out. Income qualifications are based on the property’s cashflow, not your personal income. Flexible common sense underwriting allows for a previous bankruptcy or foreclosure with 2 years seasoning. No limit on the amount of rental property owned or financed. This is the ideal alternative to a traditional bank or hard money loan. Contact me to discuss your scenario or to get pre-approved. Braxton & Company is an approved wholesale broker for rental property loans.


Key Points

Minimum Mid-FICO 650

Qualifying income is based on property cash flow

Minimum 30-day seasoning for Full-Appraisal Value

No Minimum DSCR on soon to be leased rent ready

Same Day Conditional Approval




$150,000 - $2 million

LTV: Up to 80%*

Interest: from 5.50%**

Rate: Fixed, Hybrid ARM and Partial Interest-Only Available

Fixed Term: 5, 7, 10 or 30 years

Term: 30 years

Amort: 30 years

DSCR: 0.80 minimum

Multiple Prepayment Penalty Options

Impounds Required

Non-Recourse on $1M+ loan amounts










Condominium (warrantable and non-warrantable)

Single Family Home





Planned Urban Developments (PUD)

Multifamily (5+ units)

Vacation Rentals (Airbnb, Seasonal, etc…)



*Up to 80% LTV on purchase and rate/term refinance. Up to 75% LTV on refinance with cash-out.

**Interest Rate dependent upon credit score, loan-to-value, fixed term and DSCR. Buy-down available.