Income is Never an Issue for us

Our no income check mortgage program is designed for individuals who are self-employed or unemployed.

No Income Mortgage

NO INCOME / NO EMPLOYMENT
PERFECT LOAN OPTION FOR PRIMARY RESIDENCE

  Max. LTV 80%

Cash-out to 75% LTV

660 minimum credit score

Max. loan amount $5 million

No limit on cash-on-hand

No reserves required

Primary residence, second homes and investment properties

No Doc DSCR Loans

NO RATIOS REQUIRED
RESIDENTIAL OR COMMERCIAL PROPERTIES

  Only 15% down payment

  Must be an investment property

  No tax returns, W2’s or paystubs needed

  Short-term rentals are OK with us

  Min. loan amount is $75k

  Max. loan amount $5 million

  We allow first-time investors

Need assistance? We are here to help navigate you through the process.

Who are No Income Loans for?

No Income Check Loans are ideal for individuals with non-traditional income sources.

  • Self-Employed
  • Gig Workers
  • Freelancers
  • Small Business Owners
  • Consultants
  • Investors
  • 1099 Employees
  • Retirees
  • Cash-Based Income
  • Unemployed

Purchasing a Property Using a
No Income Check Mortgage

Purchasing a property with a No Income Check mortgage is something that is possible. All we require is 20% down payment. The credit scores need to be above 660.

Our No Income mortgage program works on both residential and commercial properties. Either is owner-occupied, second home or an investment our no income mortgage covers all three occupancy types.

Refinancing a Property with a
No Income Check Mortgage

Refinancing an owner occupied property or an investment property, no income required for the refinance transaction. We offer a few no income refinance options, a true no income mortgage or a no income cash-flow rental program. These programs are specifically designed for those that can not qualify traditionally.

Our No Income mortgage program works on both residential and commercial properties. Whether it is owner-occupied, a second home or an investment, our no income mortgage covers all three occupancy types.

We offer Commercial No Income Loans

We Offer Three Types of No Income Second Mortgages

HELOC
Bank Statement Mortgage

For those self-employed homeowners who are looking to tap into their properties’ equity, we offer the 12-month bank statement program for qualifying for a Home Equity Line of Credit.

HELOC
No Doc – No Income Check

For those self-employed homeowners who are looking to tap into their properties’ equity, we offer the 12-month bank statement program for qualifying for a Home Equity Line of Credit.

DSCR
Second Mortgage

The DSCR second mortgage is a closed-end loan that works on investment properties. We use the rental income from the property to qualify for the loan, no personal income docs are required.

Find Your No Income Check Loan Solution Today

No Income Mortgage Insights

Purchase a Property Using No Personal Income at All

Purchase a Property Using No Personal Income at All

With loan amounts ranging from $100K up to $3.5 million, and the possibility of even higher amounts based on specific circumstances, we strive to cater to a wide range of real estate investors. One of the standout features of our loans is that no personal income is...

read more

See more news and updates