Skip the paperwork hassle. Our No Income Verification loan programs let you secure financing based on assets, property cash flow, or collateral - not traditional income documentation.
Choose from our specialized loan programs designed for borrowers who prefer privacy or have non-traditional income sources.
Perfect for investment properties. Qualify based on the property's rental income, not your personal income.
Asset-based lending for fix & flip projects and time-sensitive purchases. Fast funding in 5-10 days.
Flexible lending solutions for unique situations. Customized terms based on your specific needs and assets.
| Feature | DSCR Mortgages | Hard Money | Private Money |
|---|---|---|---|
| Funding Speed | 14-21 days | 5-10 days | 7-14 days |
| Loan Term | 30 years | 6-24 months | Flexible |
| Down Payment | 20-25% | 25-35% | Varies |
| Best For | Buy & Hold | Fix & Flip | Unique Situations |
| Income Verification | None | None | None |
Our no income verification loans are ideal for borrowers who have the financial strength but prefer privacy or have non-traditional income sources.
Business owners, freelancers, and contractors who have fluctuating income or prefer to keep their business finances private.
Active investors looking to scale their portfolio quickly without the hassle of extensive income documentation.
Wealthy borrowers who value privacy and have significant assets but complex income structures.
Borrowers who need to close quickly and can't wait for lengthy income verification processes.
Keep your personal financial information confidential
Skip the paperwork headache and complex documentation
Get approved and funded much faster than traditional loans
Qualification based on what you own, not what you earn
Acquire multiple properties without income limitations
Multiple LLCs, partnerships, or business entities making income hard to verify
Recently started business without 2+ years of tax history
High-profile individuals who prefer to keep financial details private
Competitive market situations requiring quick closings
While we don't require income verification, we do have some basic requirements to ensure responsible lending.
Minimum 620 (640+ for best rates)
20-35% depending on loan program
2-3 months to verify assets
Professional appraisal required
Personal or business tax returns not required
No employment income documentation needed
No employer contact or verification required
Business P&L statements not necessary
Only personal assets need verification
Our streamlined application process gets you pre-qualified in minutes, not hours. No income documentation means faster approvals.
Get answers to the most common questions about our no income verification loan programs.
Get pre-qualified for a no income verification loan in minutes, not weeks