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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

Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of

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No Income No Asset Verification

Income and Asset Documentation Not Required Forms 4506-T and 4506-C Not Required Update: September 2023 Tax Returns Not Needed for Self Employed or W-2 Employees Loan Purpose: Purchase, Refinance and Cash-Out Refinance Portfolio Programs Cash-Out Refinance Requires 90-day Purchase Seasoning

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Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Business Owners Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable terms,

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California Hard Money 30-Million

Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property

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Hard Money 5-Million Owner Occupied

This hard money lender will do primary residential loans which are somewhat rare. Similar to a Business Purpose Mortgage Loan Purpose: Purchase, Refinance, and Rate & Term and Cash out,

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Exception-Based Non-Prime Loan

Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination

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No Income No Asset Verification

Income and Asset Documentation Not Required Forms 4506-T and 4506-C Not Required Update: September 2023 Tax Returns Not Needed for Self Employed or W-2 Employees Loan Purpose: Purchase, Refinance and

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Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to

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Non-Prime Bank Statement Loan

Primary Borrower – Self-Employed Home Loan 222 Bank Statement Loans are ideal for self-employed borrowers, defined as those with at least 25% ownership in a company. Alt Doc (24 months)

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Jumbo Investor Loan 90% LTV 720 Credit Score

Maximum Loan Amount – $3,000,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $750,000. Available for investment properties,

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Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance Income Documentation: Full Doc or

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No Ratio Investor Loan Jumbo

DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit score. No income documentation, employment

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Bank Statement Loans – 2023

Bank Statement Mortgage Program for Self-Employed Borrowers Purchase, Rate/Term, and Cash-Out – Up to $12,000,000 Key Benefits of Bank Statement Mortgages * Accepts Personal and Business Bank Statements * Borrower-prepared

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Non-Prime True No Doc Mortgage Program

This Alt Doc loan program is for buyers that have extraordinary or unconventional income and documentation including self-employed borrowers and fixed income along with previous credit challenges. Manual underwriting through

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Investor Loan – No Doc

Nationwide Private Mortgage Lender This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years

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DSCR .75% Jumbo Mortgage

DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties – OK Most investor loan programs

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Super Jumbo DSCR Investor Mortgage

Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions,

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Private Money 70% LTV

Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than the traditional Hard Money type

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90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the

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Non-QM | Non-Prime Loan Programs

Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to repay. This is particularly beneficial

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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

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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

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Bank Statement Loan to $5,000,000

Purpose: Purchase Rate & Term and Cash Out Refinance * Jumbo Bank Statement Loan to $5,000,000 * Maximum Cash Out – $2,500,000 Bank Statement Income Documentation: (No 4506-T or 4506-C)

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6 Month Bank Statement Mortgage Programs

6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for those demonstrating substantial income growth

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Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required.

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Alternative Income Documentation

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Hard Money Mortgage Lenders and Loans

Hard Money Niche Loans

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Second Mortgage Niche Loans

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Hard Money Mortgage Lenders and Loans

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