No Income / No Ratio Loans
No Income / No Ratio Loans – Qualify Without Traditional Income Docs
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No Income / No Ratio loans are designed for borrowers who want to qualify without verifying income or calculating debt-to-income ratios. Approval is based primarily on assets, equity, and overall financial strength. These programs are popular with real estate investors, retirees, and high-net-worth borrowers who prefer privacy or have unconventional income streams.
Great fit for:
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Real estate investors
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Asset-rich borrowers
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Retirees
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Borrowers with complex or irregular income
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See if your property is eligible for No Income / No Ratio financing:
Do these loans really not require income verification? Correct. Income is not used to qualify, though assets and credit are reviewed.
Are these loans available for investment properties? Yes. Many No Ratio loans are investor-focused.
Is a larger down payment required? Often yes. Down payments are typically higher than traditional loans.
Are interest rates higher? Rates may be higher due to reduced documentation, but flexibility is the trade-off.
Who typically uses No Ratio loans? Investors, high-net-worth individuals, and borrowers with non-traditional finances.