Comparing Our No Proof of Income Rental Property Loan Programs
This new offering is crafted with the active real estate investor in mind -- someone who is not just focused on immediate profits but also values the potential for long-term appreciation through "acquire and hold" portfolios. Whether you're a seasoned investor expanding your empire or someone building a steady income stream for the future, this program provides the flexibility and freedom to grow without the typical financial hurdles.
What Makes This Program Stand Out
What makes this program stand out is its innovative approach to lending. Unlike traditional programs that heavily scrutinize the revenue flow of rental units, our No DSCR (Debt Service Coverage Ratio) program looks beyond that. It's strictly based on the intrinsic value of the property itself. This means you can make confident decisions without the pressure of meeting rigid cash flow requirements.
Property Value Based
No DSCR requirement -- lending decisions are based strictly on the intrinsic value of the property itself.
No Income Documentation
Streamlined process with no tax returns or W2s required -- focus on the property, not your paperwork.
Acquire & Hold Strategy
Designed for investors building long-term portfolios with consistent returns and substantial growth potential.
We understand that real estate investment is about seizing opportunities and staying agile. This program ensures that your regular return objectives aren't constrained by unnecessary barriers. By focusing on the property's value rather than its current income, we empower you to maximize your potential, whether you're targeting undervalued properties, emerging markets, or prime locations with high appreciation potential.
With this forward-thinking approach, we're not just offering a loan; we're providing a tool to help you realize your vision, enabling you to focus on what matters most -- building a portfolio that generates consistent returns today and substantial growth tomorrow.
Single Property Investor Series -- DSCR Loan with No Proof of Income
Vacation Rentals, Short Term Rentals, AIRBNB & High-End Upscale Investment Housing
Our No DSCR Loan program is designed for single property investors seeking flexible financing without the burden of income documentation. Review the program structure and underwriting guidelines below to find your ideal loan parameters.
Program Structure
| Parameter | Details |
|---|---|
| Offering Type | Acquire, Rate Term Reborrow, Take-Profit & Reborrow |
| Realty Type | Single property, First Lien Only |
| Loan Amount | $100K - $2M |
| Program Terms | 5/1 -- 7/1 -- 30/30 -- No Balloon |
| Rate Range | 6.5% and up |
| Amortization | 30 year -- Full Term Interest Only |
| LTV | Up to 75% with 700 credit |
| Property Based DTI | NO |
| Recourse | YES |
| Geography | National: Most major MSAs and secondary markets |
Underwriting Guidelines
| Requirement | Details |
|---|---|
| Property Type | SFR, 2-4 units, condos (FNMA warrantable), townhomes |
| Valuation Type | 1004/1007 URAR Standard with CDA Reconciliation |
| Borrower FICO | 640 Minimum |
| Seasoning | 6 Months on title for value |
| Documentation | Streamlined -- NO Tax Returns |
| Reserves | Minimum of 4 months PITIA |
| Prepayment Penalty | Declining |
| Eligible Borrowers | US Citizens / Permanent Resident Aliens / Foreign Nationals |
| Ineligible | Owner Occupied Homes |
Quick Eligibility Check
Confirm you meet these basic requirements before applying for our No DSCR loan program:
- Investment property only -- not owner-occupied
- FICO credit score of 640 or higher
- Loan amount between $100K and $2M
- SFR, 2-4 unit, condo, or townhome property
- Minimum 4 months PITIA reserves available
- Property located in a major MSA or secondary market
2nd Generation Securitization Loan Programs
Our 2nd generation securitization loan programs offer flexible lending options designed to meet your specific time horizons. Whether you need short-term financing for a quick acquisition or long-term fixed rates for portfolio stability, these programs adapt to your investment strategy.
Flexible Lending for Every Investment Timeline
Our securitization programs are structured to give real estate investors maximum flexibility. With options ranging from 5-year adjustable rates to full 30-year fixed terms, you can match your financing to your specific exit strategy and cash flow requirements.
These programs accommodate vacation rentals, short-term rentals, Airbnb properties, and high-end upscale investment housing -- all without the traditional income documentation hurdles that slow down conventional lending.
No Balloon Payments
Our 30/30 program structure eliminates the risk of balloon payments, giving you predictable cash flow and long-term stability for your rental portfolio.
National Coverage
Finance properties across most major MSAs and secondary markets throughout the United States, with no geographic restrictions on portfolio locations.
Interest Only Options
Full 30-year interest-only amortization available, maximizing your monthly cash flow while maintaining property ownership for long-term appreciation.
All Investor Types Welcome
US Citizens, Permanent Resident Aliens, and Foreign Nationals are all eligible borrowers for our no income proof rental property loan programs.
Ready to Compare Your Options?
Contact our team today for expert assistance in selecting the right no-income-proof loan program for your rental property investment strategy.