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No Income / No Ratio Loan
Qualify on assets and the property — not pay stubs.
A solution for borrowers whose income is hard to document on a paper application but whose overall financial picture clearly supports the payment.
Highlights
What makes this loan different
- No income documentation required
- No debt-to-income ratio calculated
- Asset and property strength drive approval
- Available on owner-occupied and investment property
Best for
Who this is built for
- Self-employed borrowers with complex returns
- Retirees with substantial assets but limited reportable income
- Investors with strong cash positions
Income is not always the right lens
If your tax returns understate your real financial life — common for entrepreneurs, retirees, and investors — a traditional debt-to-income calculation will fail you on a deal you can comfortably afford. These programs use what is real: assets and the property itself.
Ready to see what this loan would take in your case?
A quick application gets you a real, underwritten read on what is possible.