Not every rental property loan program works the same way. Some require two years of tax returns. Others want W-2s, bank statements, and a thorough review of your personal finances. Our no-income-proof programs skip all of that. We underwrite based on the property's value and cash flow -- not your personal employment history. Whether you're acquiring your first investment property or expanding a 50-unit portfolio, this side-by-side comparison shows you exactly which program fits your strategy.
Why Choose a No-Income-Proof Rental Loan?
Traditional mortgage lenders want to see personal income, employment verification, and detailed tax returns. Conventional lenders also cap investors at 10 financed properties under Fannie Mae guidelines. For self-employed investors, LLC owners, or anyone who prefers to keep personal finances separate from investment activity, these documentation requirements create unnecessary friction -- or outright disqualification.
Our No-DSCR loan program eliminates that barrier. Lending decisions are based on the property's appraised value -- not the rental income it generates and certainly not your W-2. That means vacant properties, properties in lease-up, and short-term rentals all qualify without the cash flow documentation that other lenders demand. According to the Mortgage Bankers Association, non-QM lending -- including no-DSCR programs -- has grown significantly as investors seek alternatives to conventional financing.
Property-Value Underwriting
No DSCR requirement on our flagship program. Lending is based strictly on the property's appraised value, not rental income or personal earnings.
Zero Tax Returns
Streamlined documentation process with no tax returns, W-2s, or pay stubs required. Close faster and with less paperwork.
$50K to $3M Loan Amounts
Single property financing from $50,000 to $3,000,000 with competitive rates. LTV up to 80% with a 700+ credit score.
All Investor Types Welcome
LLCs, trusts, and corporate entities all qualify. Close under an LLC, trust, or individual name.
What Is the Single Property Investor Series?
Our Single Property Investor Series is built for investors who want to acquire, refinance, or cash-out on individual rental properties without income documentation. Loan amounts range from $50K to $3M with terms including 5/1 ARM, 7/1 ARM, and 30-year fixed -- all with no balloon payment. Typical investment property down payments are 20-25% for conventional loans; our program matches that at 20% down with a 700+ credit score.
| Parameter | Details |
|---|---|
| Offering Type | Acquire, Rate Term Refinance, Cash-Out Refinance |
| Collateral | Single property, First Lien Only |
| Loan Amount | $50K - $3M |
| Program Terms | 5/1 ARM -- 7/1 ARM -- 30-Year Fixed -- No Balloon |
| Rate Range | Competitive Rates |
| Amortization | 30-year -- Full Term Interest Only available |
| Max LTV | Up to 80% |
| Personal DTI Required | NO |
| Recourse | Yes |
| Geography | Nationwide -- most major MSAs and secondary markets |
SFRs, 2-4 units, condos, and townhomes all qualify for our no-income loan programs
What Are the Underwriting Requirements?
Even without income documentation, lenders still need to assess risk. Our no-DSCR single property program requires a minimum 650 FICO, 6 months seasoning for appraised value, and 6-12 months PITIA reserves. The average closing timeline for DSCR loans is approximately 21 days -- significantly faster than the 30-45 day conventional process.
| Requirement | Details |
|---|---|
| Property Type | SFR, 2-4 units, non-warrantable condos, townhomes |
| Appraisal | 1004/1007 URAR Standard with CDA Reconciliation |
| Minimum FICO | 650 |
| Seasoning | 6 months on title for appraised value |
| Documentation | Streamlined -- NO Tax Returns |
| Reserves | Minimum 6-12 months PITIA |
| Prepayment Penalty | Declining schedule |
| Eligible Borrowers | US Citizens / Permanent Resident Aliens / LLCs & Corporate Entities |
| Ineligible | Owner-Occupied Properties |
See If You Qualify in Minutes
Skip the tax return hassle. Our no-income-proof programs let you close faster with less paperwork. Submit a quick application and we'll match you with the right program.
How Do the Securitization Programs Compare?
For investors who want longer-term stability, our securitization programs offer fixed-rate options from 5 to 30 years with no personal income documentation. These programs are designed for investors with larger portfolios or those who want predictable payments over a longer horizon. Investment property rates typically run 0.50-0.75 percentage points above primary-residence rates, and larger loan amounts often qualify for better pricing tiers.
The key difference is flexibility versus certainty. A 5/1 ARM gives you lower initial rates with the trade-off of future adjustments. A 30-year fixed program locks your rate for the life of the loan -- no surprises, no balloon payments. Both are available with interest-only options that maximize your monthly cash flow.
These programs accommodate the same property types as the single-property series: vacation rentals, short-term Airbnb units, and traditional long-term rental housing. They also extend to blanket and multifamily structures for investors consolidating multiple assets under one loan.
Which Program Should I Choose?
It depends on your strategy. The No-DSCR program is your best fit if you're buying a single rental and want the fastest, simplest close with no income documentation. If you're holding multiple properties and want one consolidated loan with long-term fixed rates, the securitization programs give you that stability. Blanket loans can save investors 15-30% on total closing costs versus individual mortgages.
Investors running a stated income strategy often start with single-property acquisitions and graduate to blanket structures as their portfolios grow. Our team can help you map the right program to your current holdings and acquisition timeline.
Quick Eligibility Checklist
- Investment property only -- not owner-occupied
- FICO score of 650 or higher
- Loan amount between $50K and $3M (single property series)
- SFR, 2-4 unit, condo, or townhome property type
- Minimum 6-12 months PITIA reserves on hand
- Property in a major MSA or secondary market nationwide
Compare Your Options With an Expert
Not sure which program is right for your portfolio? Our loan officers will walk you through the specifics and help you pick the structure that maximizes your returns. No obligation, no pressure.