We are the largest NO INCOME VERIFICATION LENDER in the country

We specialize in:

Non-Owner Occupied SFR 1-4 unit

No Tax-Returns or 4506-t

MAX LTV 70% CLTV 80%

No DTI Requirements

No Income Verification

640 Minimum FICO

OK with BK and FC over 2 years

Loans up to $2MM on 2-4 units

Rates as low as 7.75% PAR

Commercial Properties

No Tax-Returns

Loans up to $5MM

Minimum 1.25 DCR (1.20 for Multi-Family & Mixed Use)

No Lease Agreements, Rent Roll, or Operating Statements required on loan amounts < $500K

Rates as low as 7.75% PAR

Owner Users okay with 2 years profit and loss statement (DCR lowered to 1.00)

Vacant Properties okay (With 3-6 months’ reserves)


Mortgage Lates (Max 1×30 in 12 months or 2×30 in 24 months).  We only look at history of subject property and borrowers primary residence

lending to Foreign Nationals, Non-Permanent Resident Aliens, Trusts, LLC’s, Corporations, and Partnerships

BK’s & Foreclosures (24 month seasoning)

No Income Verification

Broker Rebates

No REO limitations (No limit on the number of properties the borrower can own)

Seller Carrybacks / Subordinate Financing (Up to 80% CLTV)

Recently listed properties, 1 day off MLS.  (Cash Out limited to 50% LTV)

Let me know if you have ANY questions. Have a great day.