No Doc & Stated Income Loans for Investors
Self-employed? Business owner? Complex tax returns that don’t reflect your real income? No problem. We have no-documentation and stated income loan programs specifically designed for real estate investors and entrepreneurs.
No-Doc Program Highlights
- No tax returns, no W-2s, no pay stubs required
- Qualify using bank statements, assets, or property cash flow
- Up to 75% LTV on investment properties
- Up to 90% CLTV on hard money programs
- Minimum 620 credit score on most programs
- Residential and commercial properties
- Texas and nationwide
Types of No-Doc Programs
DSCR (No Income)
Property cash flow qualifies the loan. No personal income needed at all.
Bank Statement Loans
12–24 months of business bank statements used in place of tax returns.
Asset Depletion
Large assets (stocks, savings, retirement) used to qualify without income.
Hard Money
Pure asset-based. Property value is the underwriting — nothing else required.
Why Investors Use No-Doc Loans
Many successful real estate investors show little income on paper due to depreciation, write-offs, and business structures. Traditional banks penalize this. We don’t — we look at the full picture and find the program that works for how you actually operate.
See What You Qualify For