Rental Property Loans

Buying or refinancing investment property is a breeze with our No Doc Rental Loans

Simple qualifying, less hassle, better long-term advantages

Our no-doc rental loans are one of the best financing options for investment properties out there.

  • Rates start in the mid 6% range

  • You get a low, fixed interest rate: This is ideal if you plan on holding your investment property for the long haul, as it insures healthy cash flow

  • Tax returns and other financial statements aren’t necessary: Simply qualify with credit score and rental income cash flow from subject property only.

  • The title is flexible: Your property can be purchased or refinanced under an LLC, corporation, or your individual name.

  • Qualify with and without rental income

  • Buy or refinance up to 80% of the property value

  • Property Types: single family residence, condominiums, 2-4 units

  • $250,000 to $5 Million loan amounts

  • 30 year fixed rate, 40-year fixed-rate / interest-only (10-year interest-only period).

Increase your buying power and get access to the capital you need.

client giving home deposit to agent

Investors can see big benefits from refinancing into a No-income doc rental loan.

Not only can it lower your monthly payment, reduce your long-term interest costs, and free up funds for maintenance, repairs, and other expenses, but if you choose a cash-out option, you can even tap your home equity for a decent-sized lump sum payment.

  1. No income documentation is required
  2. Cash-outs are available fast.
  3. Your current appraised value is what matters
  4. Rates in the mid 6% on 30-year terms
  5. The title is flexible
  6. You don't need perfect credit
  7. There are multiple term lengths to choose from
  8. You don't need a huge amount of equity

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Designed with Real Estate Investors in Mind

No-doc Rental Loans are a fantastic option for investors because they don’t base your qualifications on tax returns, pay stubs, W-2s, or any other documentation. Instead, the focus is on the property’s cash flow and your market rent.

couple working on documents together

Do you qualify for a No-Doc Rental Loan?

Download our free eBook below to access the step by step process for qualifying for no-doc rental loans. You’ll 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

Recognized as a Top Lender for Real Estate Investors

Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated…

Sharmila S.

We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend…

Amber A.

I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market…

Douglas Pettibone

I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends...

Sean M.

Your Dream Investment is Only a Few Steps Away


Get a Consultation

Expert advice, discuss qualifications, and get informed on the step by step process.


Loan Approval

Get a full underwritten Pre-Approval in just 48 hours. Know your rate and closing costs from the very beginning. Never second guess yourself again.


Closing Time

Appraisal plus final underwriting to Close in 30 days or less. We make it easy for you.