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No Income Investor Loan
A No Income Investor Loan is designed for real estate investors who qualify based on a property’s rental income rather than their personal income or employment history. This loan is ideal for seasoned investors managing multiple rental properties or those looking to expand their real estate portfolio without traditional income verification. With flexible debt service coverage ratio (DSCR) requirements, this financing option makes it easier to secure a mortgage based on the property’s cash flow. If you’re an investor looking for a hassle-free loan option, a no-income investor loan could be the perfect solution.
A Reliable Home Loan You Can Trust.
No Income Verification
Skip the paperwork for income, W-2s, or tax returns.
Ideal for Experienced Investors
Focuses on real estate investment rather than personal income.
Faster Processing Time
Streamlined approval process, especially for investors with multiple properties.
Flexible Financing Options
Good for property investors with varied income or those looking to expand their portfolios.
Loan Guidelines
If your details are near these guidelines, we encourage you to apply or reach out. Even if you don’t qualify for a 30-year fixed-rate mortgage, we may have other options available.
The Home
Purchase a new home or refinance your current mortgage.
Credit Profile
A credit score above 620 is typically required.
Debt-to-Income
Your debt-to-income ratio (DTI) should be under 50%.
Closing Costs
Along with your down payment, you’ll need sufficient funds to cover closing costs.
Explore Your Potential
Our calculators help you understand and visualize your options
Mortgage Calculator
Planning to buy a home? Calculate your estimated monthly payments, including taxes and insurance.
Refinance Calculator
Considering refinancing your mortgage? Find out how much you could save.
Frequently Asked Questions
Have questions? We’ve got answers! Explore our FAQ section to find helpful information about loans, refinancing, and more. If you don’t see what you’re looking for, feel free to contact us—we’re here to help!
Who are No Income Investor Loans best for?
No Income Investor Loans are ideal for real estate investors who have significant assets or equity but do not want or cannot provide traditional income documentation. These loans focus on the investment property’s value, potential income and the borrower’s financial strength, rather than their income.
How do No Income Investor Loans work?
These loans allow investors to secure financing for real estate purchases without disclosing personal income details. Lenders primarily focus on the value of the investment property, the borrower’s creditworthiness, potential income property can bring and any assets or equity they can provide.
What are the pros and cons of a No Income Investor Loan?
Pros:
- No need to disclose income or tax returns.
- Great for investors with multiple properties or fluctuating income streams.
- Can be faster to process compared to traditional loans.
Cons:
- Higher interest rates due to the increased risk for lenders.
- Larger down payment requirements (typically 15% or more).
- Limited availability, as fewer lenders offer these loans.
Can I qualify for a No Income Investor Loan with a low credit score?
While credit score requirements may vary, most lenders expect a higher credit score, as the loan is based on the property’s value and your financial strength.