No Income Documentation – Investors Only!

Are you looking for a not so traditional loan to finance or refinance your investment properties?  If you have been turned down by other lenders, we may have a solution for you.


5+ Units & Mixed Use Properties – Up to 75% of Appraised Value

1-4 Unit Properties – Up to 70% of Appraised Value

Office, Retail, Warehouse, Self-Storage & Automotive Service (no gas stations) – Up to 70% of Appraised Value


All with No Income Documentation on Purchases & Refinances (Including Cash Out Refinances)

Loan Features:

  • No Borrower Debt to Income Ratio Analysis
  • No Tax Returns, Paystubs or W2’s
  • No Debt Service Coverage Ratio Minimum on Loans Up to $500,000
  • No Upfront Fees Besides Appraisal
  • No Balloon Payments
  • Choose from 3 year fixed rates or 8 year fixed rates, then adjustable (amortized over 30 years)
  • Loan amounts from $75K – $5 million
  • Property Must Be Occupied / Rented
  • No Restriction on Number of Properties Owned
  • No Restrictions on the Amount of Cash Out (Up to Applicable LTV)
  • Must have a minimum of 650 FICO score to borrow maximum amounts listed above
  • Loans over $500,000 will need 2 years operating statements
  • These loans do have 3 or 5 year prepayment penalties
  • 3 Months Reserves Required

Please call us at (714) 603-9383 if you feel this loan could benefit you and your investing strategy.  It’s really great for borrowers with very limited income but decent credit and equity or a down payment.