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 verification, or 4506-C form required. This program is ideal for self-employed borrowers seeking a hassle-free approval process without traditional income verification.
Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000
Purchase & Rate/Term Refinance:
* 740 Credit Score | 90% LTV to $5,000,000
* 720 Credit Score | 90% LTV to $4,000,000
* 700 Credit Score | 85% LTV to $3,500,000
* 680 Credit Score | 85% LTV to $3,000,000
* 660 Credit Score | 80% LTV to $2,500,000
* 640 Credit Score | 75% LTV to $2,000,000
* 640 Credit Score | 75% LTV to $1,500,000
* 620 Credit Score | 70% LTV to $1,500,000
Refinance Cash Out:
* 740 Credit Score | 95% LTV to $3,000,000
* 720 Credit Score | 90% LTV to $3,000,000
* 700 Credit Score | 85% LTV to $3,000,000
* 680 Credit Score | 75% LTV to $3,000,000
* 660 Credit Score | 70% LTV to $3,000,000
* 640 Credit Score | 65% LTV to $3,000,000
Loan Amounts: $5,000,000 – 760 Middle Mortgage Credit Score
Employment Verification: N/A – 4506-C Form Not Required
Employment Verification Documentation – VOE: N/A
Liquid assets can be used for Additional Income
Income Documentation N/A DTI: N/A
Eligible Property Types:
* SFR, 2 Unit, 4 Unit
Eligible Occupancies
* Non-Owner Occupied
* Investment properties
Credit:
* Credit Scores: 620
Credit Seasoning:
* 2 Tradelines, one with a 24 Month History and One with 12 Month History or 3 Tradelines, all with a minimum of 12 Months History
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.