Lender Criteria

No-Income-Verification Loans for Residential Investment and Commercial Properties Nationwide

1–4-unit, non-owner-occupied residential investment properties
Eligible commercial property types include multifamily, mixed-use, office, retail, warehouse, self-storage, and automotive properties
30-year fixed-rate options and short-term interest-only rehab loan options available
Up to 75% loan-to-value for purchases, straight refinances, and cash-out refinances
A 650-credit score is required for maximum LTV; credit scores of 600–649 may qualify for up to 60% LTV
No minimum credit score required for up to 50% LTV
No W-2s or pay stubs required
No DSCR requirements, except on larger commercial loans
No source or seasoning requirements for down payment funds
Foreign nationals may qualify for up to 70%–75% LTV, depending on property type
Foreign investors may qualify for up to 65% LTV
Undocumented residents living in the U.S. may qualify for up to 65% LTV with U.S. identification and established credit
Up to 90% combined loan-to-value may be available when the seller is willing to hold a second mortgage

Designed for investors with significant equity who want quick, streamlined credit qualification.

1–4-unit residential investment properties, including single-family residences, condos, and 2–4-unit properties
Multifamily properties with 5 or more units
Mixed-use properties
Commercial properties, including office, retail, warehouse, self-storage, and automotive properties

Loan amounts available from $50,000 to $25 million
Financing available for residential investment properties, fix-and-flip projects, and other investment properties
Flexible loan terms with repayment options up to 2 years
No prepayment penalty
All credit scores considered
Approvals available in as little as 24 hours
Fast funding to help investors move quickly on Florida properties
Close with or without a corporate entity