Rental Loans

Braswell Capital Solutions also offers loan products designed exclusively for landlords. With rates as low as 6% and LTVs up to 75%, these loans are perfect for long term rentals.  Check out our various loan products and associated rates/guidelines below.

*Rates are calculated based on your credit score, the Loan-to-Value (LTV), and Debt Service Coverage Ratio (DSCR). DSCR is calculated as (Gross Monthly Rent / Monthly PITIA) (Principal+interest+taxes+insurance+association dues).

Long Term Rental 


  • Cash out refinance after 30 days based on new property value, no need to wait 1 year

  • No cap on number of financed properties

  • Loans are in name of business

  • Loans are not reported to credit agencies

  • No paystubs, W-2s, or tax returns needed

  • Up to 75% LTV

  • Minimum property value $75K

  • Origination fee 3 points

  • 3 - 5 year prepay penalty, stepping down 1% every year

Transparency is important to us, so you can see right here how we determine interest rates. To read the tables below, find your estimated credit score in the left column. Then estimate your DSCR by dividing your expected monthly property rent by your expected principal, interest, taxes and association dues, and select the corresponding column. Then select your desired LTV. (For 7/1 ARM pricing, add .20% to the rates below. For 30 Year Fixed pricing, add .55% to the rates below.)

5/1 ARM PricingRental360 5/1 rates

Portfolio  Refinance 3 to 7 properties with one closing and monthly payment:

Our Portfolio loan allows you to refinance on 3-7 properties all at once. With just one closing and one monthly payment, it's perfect for investors looking to simplify their portfolio. Available as a 5/1 ARM, 7/1 ARM or 30 Year Fixed. For loan amounts of: $400k or more, add .50% to the single asset rate (5/1 ARM shown above); $300k-$399k, add 1.125% to single asset rates; less than $300k, add 1.50% to single asset rates.

Required docs:

  • Completed loan application
  • 2 forms of ID for all members of biz entity
  • Recent 2 months bank statements
  • Insurance policy contact info
  • Copy of voided check
  • Articles, Operating Agreement and Tax ID letter

Short Term Rental Loan

We also offer a short-term rental loan for investors that plan on selling property within 3 years and don’t want to pay a prepayment penalty. 



Property Types

1 – 4 Unit

Loan Term

3 Years

Loan Position

1st lien position only

Interest Only Rate

8.75% – 9.75%

Origination Fee

3 points

Other Fees


Loan to Value Max


Loan to Cost Max



Loan application, purchase contract, biz entity docs, driver license for owners, detailed lease agreement if rented out, recent 2 months bank statements, and landlord insurance policy.  Other docs may be required.

Minimum Credit Score


Prepayment Penalty


Closing Timeframe

5 – 10 business days

Available States

GA, NC, SC, FL, IL, VA, WI, MO, TN, & AL