Investment Property Mortgage!

Investment Property Mortgage!

Get a FREE quote on an Investment Property Mortgage & save thousands of dollars per year.

I Want My FREE Stated Investment Property Mortgage Quote!

Stated Income Mortgage for Home Purchase or Refinance

Stated Income Mortgage for Home Purchase or Refinance

Three Steps to Qualify for Our Investment Property Mortgage

We significantly simplify the loan process, helping more people realize their dream of homeownership. We offer a unique No Income Documentation loan with qualifying in three simple steps.

Ever felt like you're banging your head against a brick wall, trying to get a conventional mortgage, only to be met with a brick-wall 'no'? You know you're capable of handling the repayments, but the paperwork says otherwise.

It's like being stuck in a game of tug-of-war, ain't it? You're pulling hard, but the traditional mortgage system is pulling harder. We've heard tales of entrepreneurs, freelancers, investors - just like you - stuck in this frustrating loop. Being self-employed shouldn't be a roadblock on your path to homeownership, right?

So, hang up that boxing glove, step away from the brick wall, and let's start a new journey. A journey where your self-employment isn't a hurdle, but a boost. A journey towards a mortgage that respects your hustle. Intrigued? Let's dive in!

Unraveling the difficult mortgage process

The No Income Documentation Mortgage Loan Process

Here's how our EASY home loan process works:

What is a Stated Income Mortgage?

A stated income mortgage is a type of home loan where the lender does not require the borrower to provide traditional income documentation, such as pay stubs, W-2 forms, or tax returns. Instead, the borrower simply states their income on the mortgage application, and the lender may or may not verify the provided information.

These loans were initially designed to cater to self-employed individuals, commission-based workers, or those with irregular income sources who had difficulty providing the standard income documentation required for traditional mortgages.

  • Alt Doc
  • Bridge
  • Stated Income Mortgage
  • Bank Statement Mortgage
  • 1099 Mortgage
  • Foreign National
  • Investor No Ratio
Do I Qualify?

Investment Property Mortgage Guidelines

  • Income Documentation Not Required
  • Income not stated on loan application
  • DTI not calculated
  • Credit underwritten based on LTV, FICO and Liquidity
  • Primary Residence and Second Homes
  • Asset Seasoning 30 Days
  • Loan Amounts to $3 Million
  • LTV up to 80% purchase/rate and term
  • LTV up to 70% cash-out
  • FICO beginning at 640
  • Debt Consolidation considered the same as rate and term

Investment Property mortgages, sometimes referred to as low-doc, no-doc loans are all classified under the Non-QM umbrella. They were once a popular option for borrowers who had difficulty documenting their income. These loans have become less common in recent years due to regulatory changes, but it's still essential to understand how they work and their potential benefits and drawbacks. In this article, we'll explore the basics of stated income mortgages, their pros and cons, and their current status in the lending market.

Pros and Cons of No Documentation Mortgages


  • Easier approval for non-traditional borrowers: No Income Documentation mortgages can be a viable option for borrowers who cannot provide standard income documentation due to their unique employment or income circumstances.
  • Faster application process: Since less documentation is required, the application process can be faster than for a traditional mortgage.


  • Higher interest rates: Due to the increased risk associated with these loans, lenders typically charge higher interest rates for no documentation mortgages compared to traditional mortgages.
  • Larger down payment: The low down payment options offered on government-backed loans is not available.  Additionally, we require a larger down payment from borrowers to offset the increased risk of lending without full income documentation.
  • Limited availability: In the wake of the 2008 financial crisis, Non-QM mortgages became less common, as regulators tightened lending standards to reduce the risk of mortgage defaults.

The Current Status of Non-QM Mortgages

Following the 2008 financial crisis, Non-QM mortgages fell out of favor due to their association with high default rates and the subsequent housing market collapse. Moreover, regulatory changes such as the Dodd-Frank Wall Street Reform and Consumer Protection Act. This Act led the way for more stringent lending standards, including the "ability-to-repay" rule, which requires lenders to verify a borrower's income, assets, and employment before extending a mortgage.

As a result, Non-QM mortgages have become far less common, and most lenders now require borrowers to provide detailed income documentation.

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans


  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE Investment Property Rate Quote Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I Want My FREE Investment Property Rate Quote!