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No Doc Niche Loan Programs

No Doc loans offer self-employed and investor borrowers the chance to buy real estate or refinance mortgages without submitting income or asset documentation. These programs, provided by specialized lenders, streamline the process by eliminating the need for conventional income and asset documentation. They are particularly beneficial for self-employed individuals who deduct business expenses on their tax returns.

No Doc Loan Programs We Offer - Guidelines and Highlights | 800-718-8906

Debt Service Coverage Ratio Program

Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to

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09/03/2020 07/31/2025

Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key for qualifying without traditional income proof. Flexible underwriting for self-employed home loans.

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10/15/2020 09/07/2025

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Alternative Income Documentation

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