No Doc No DSCR Loans

A Hassle-Free Way to Finance Investment Property

No rental income cash flow calculation required.

What Are No-Doc No DSCR Loans?

A No-doc No DSCR loan requires No income documentation, No rental income or cash flow requirements and No reserves. A No doc No DSCR loan is an asset-based mortgage qualifying based on property, credit score, and experience. It’s a hassle-free way for investors looking to buy and hold or refinance investment property.

Why use a No-Doc No DSCR Loan?

Simple Qualifying. Speed to Close.

The No-doc No DSCR loan is different than any other program out there. Simply put, these loans offer a no hassle way to qualify with a faster loan process. With great 30-year fixed rates No Doc No DSCR loans provide steady monthly payments for the long haul.


Close with confidence.

Simple Loan Requirements

They are less hassle.

These rental loans require little documentation making for an easier and faster process overall.

They come with flexible terms.

Choose from a 30-year fixed rate or an Interest only option up to 10 years.

They have fast funding times. Fund in 2-3 weeks.
  • No tax returns, no income verification
  • No rental income, no lease
  • No rental income cash flow calculation (No DSCR)
  • No reserves required
Purchase, rate, and term refinance, cash-out refinance up to 80% loan-to-value ratio.

What are mortgage rates like on No-doc No DSCR rental loans?

Interest rates on these rental loans depend on several factors, including the type of transaction (purchase vs. refinance), the down payment percentage on purchases and loan-to-value ratio on refinances, and your credit score.

Let's Run the Numbers.

No-doc No DSCR Loan Features and Benefits


  • Unbeatable 30 year fixed rates (buy downs available)
  • Interest only options up to 10 years
  • Purchase, cash-out refinance up to 80% loan-to-value ratio
  • Loan amounts from $250,000 to 5 Million
  • Fast funding in 2-3 weeks
  • The title is flexible: property can be purchased or refinanced under an LLC, corporation, or your individual name
  • Property types: Single family, condo, townhome, and 2-4 units
  • Short term rental ok
  • Non warrantable condos ok

Buying an investment property with a No-income doc Rental Loan

Our rental loans are designed specifically for real estate investors who want to invest in property. We simplify the process, so you can focus on what’s important – finding the right property and making money from it.

Simply put, No-income doc rental loans offer a no hassle qualifying with a faster loan process, great low rates and steady monthly payments for the long haul – an ideal arrangement for investors looking to buy and hold investment property.

pushing buttons on calculator in front of home building
real estate investor holding papers in front of house

Refinancing an investment property with a No-income doc Rental Loan

Investors can see big benefits from refinancing into a No-income doc investment property loan. Getting cash-out to free up funds for maintenance, repairs, and other expenses is a smart move. Tap into your property’s equity with a cash-out option, for further property improvements or build on your rental portfolio and buy your next rental property.
For real estate investors with a hard money loan coming due, refinancing into a longer-term investment property loan is a good strategy to build passive or monthly income.

What to expect with a No-Doc Rental Loan

We strive to make the loan process as streamlined and easy as possible for our borrowers. Download our free eBook below to learn:

  • Exactly what no-doc rental property loans can be used for
  • Why your Debt Service Coverage Ratio (DSCR) matters
  • How your credit score will affect your down payment
  • What to do if appraised rents come in low

model of house with house keys; use loan rate calculator

Are you ready to refinance your rental property or tap its equity to buy a new one?

You can use our Loan Rate Calculator to calculate out your monthly payments.

Get a fast pre-approval in just 24 to 48 hours.

Know your rate and closing costs from the very start.