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Investor Loan – No Doc

No Income No Asset Verification – Forms 4506-T and 4506-C Not Required

Foreign Nationals – OK

Unique mortgage loan program designed for the Residential Real Estate Investor.

Income Documentation: None

Employment Status: N/A

Employment Type: None

Employment Documentation: None

Nationwide Private Mortgage Lender

This is a Private Money lender that has funded thousands of loans nationwide.

Private direct lender specializing in Single Family Residences up to 1-4 units. Multiple loans for investors in all 50 states, One of the good things about this lender is they have over 25 years of real estate investing experience; they know how to underwrite a loan because they understand the residential real estate investment market because they themselves have bought and resold nearly 15,000 homes and have originated more than 4200 loans since they were founded in 2002; loans for investors, by investors.

This is a true No Doc hard/soft money lender with national reach. No Income. No-Assets. No Employment. And now we dance. Closing’s average 10 to 15 business days from application. Loan amounts down to $125,000 and up to $300,000, all No Doc and greater than $300,000 on a case-by-case basis.

Credit Scores and Hard Money

Credit scores down to 580 or no score ok. Foreign Nationals also qualify. An investor can utilize this loan program for either a purchase or refinance. 30-day seasoning for cash out using new appraised value.

This is a direct lender, and they make all decisions in-house with over $200,000,000 to lend. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity.

This loan program only requires an application, payment for the appraisal, 2 forms of ID and or corporate documents if applicable, title commitment and homeowner’s insurance.

Loan Program Guideline Overview and Highlights:

No Prepayment Penalties

Information on “C” Property Rating:

Loan Purpose


Cash out refinance – 30 days Seasoning Required

Credit Scores

580 or No Credit Score OK

Pricing is Credit Score driven

Credit Criteria

Bankruptcy – OK

Foreclosure – OK

Short Sale – OK

Loan Modification OK

Loan Amounts: $5,000,000

Minimum Loan Amount: $125,000

Maximum Loan Amount:

Greater than $300,000 on a Case-by-Case basis

Maximum LTV


LTV guidelines are based on the After-Repair-Value (ARV)

Property Types:


1-2 Units

1-4 Units

Available in the Following States:

Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Massachusetts, Minnesota, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, and Washington.

540 061715 21-9-19

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Lending

Non-Qualified Lenders

Unconventional Lenders