No Income Verification Investor Loan (DSCR) No Doc Loans

Our No Income Verification Investor loans allow borrowers to qualify based on the rental income analysis to determine the property’s cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns.

What is the debt service coverage ratio (DSCR) in real estate

The debt service coverage ratio is the property’s annual net operating income (NOI) compared to its annual mortgage debt service (annual debt obligation for the property). The DSCR is typically used by lenders to qualify a borrower for a real estate investment loan because it determines the borrower’s ability to repay the loan, also known as the income coverage. If the property’s DSCR does not meet the lender’s required minimum coverage, your loan will likely be denied with most lenders, but not with us, we are able to close these even if the property doesn’t meet the cash flow requirement.

What are the Requirements for Getting a No Income Verification Investor Loan?

  • Credit Scores down to 660.
  • 20% Down 80% LTV Max.
  • No DTI Restrictions.
  • The programs are available for single-family residential housing (regular houses, townhomes, and condominiums).  Multi-unit, vacant land, and commercial properties are not eligible.
  • No limit on the number of properties financed.
  • Loan amounts up to $3 million.
  • Seller Concessions to 2%.
  • 30 Year Fixed Rates.
  • Interest Only Options Available.
  • 3 Year Waiting Period for Foreclosures, Bankruptcy.
  • For details about our no-Income verification loans for primary residences and second homes, Click Here.

Key Highlights of our No Income Verification Investor Mortgage

  • No personal income used to qualify
  • Unlike Fannie Mae’s 5 to 10 Financed Properties Guidelines, there is no limit on the number of properties financed with the No Doc Investment Property Loans
  • Again, unlike traditional Investment Conventional Loans, Rental Property Financing and No Doc Investment Property Loans can be financed directly to an LLC
  • As little as 2 months reserves.

Current Investor No Income Verification Mortgage Rates

When you “CLICK HERE” you’ll instantly see today’s lowest rates. If you see an interest rate you like, you can click to head straight to request your Custom Rate Quote.

Comparing Current No Income Verification Mortgage Rates

When your shopping for a No Income Verification investor mortgage rate, we will get you the lowest interest rate possible, thus getting you the lowest interest rate that could save you hundreds of dollars a year and thousands of dollars over the life of your loan. Yes, having us find the best No Income Verification mortgage jumbo loan rate is a big deal.

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Expert advice at your fingertips

Our home loan experts are available 7 days a week to answer all your home loan questions. We don’t keep banker’s hours…. we understand that you have busy schedules, that’s why we’re available nights and weekends.

Eddie Hoskins Founder & CEO

Providing our customers with the lowest rates, personalized service, and loan options that you don’t get from big box lenders or banks. That’s he built E Zip Mortgage.

Why should you choose us for your home loan?

We work for you & not the bank, we offer wholesale mortgage rates which are lower than retail rates not to mention, we offer a wide variety of loan options so you’re not stuck with one set of restrictive underwriting guidelines.

Credit scores a little low?

We have a credit score analyzing tool that can provide us with options to improve your credit scores quickly through a rapid credit rescore that usually takes 48 hours.

“We Think Outside The Box”

Our “Outside The Box Thinking”  gets home loans approved and closed every day! From Bank Statement as Income loans to 50% debt to income ratio approvals, we do them all.

We’ve streamlined the mortgage process, close in 30 days or less.

From application to closing, all from the palm of your hand.

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