No Income No Asset No Ratio Investor

LENDERLINE® is currently offering no income, no employment, no asset, no ratio loans under the following guidelines:

  • Residential properties must be located in the State of California.
  • Call for expanded footprint for commercial and multifamily properties.
  • Borrower may be an individual, LLC, LLP, corporation or trust.
  • Income not stated or verified.
  • Assets may be stated or verified.
  • No 1040.
  • No Schedule E.
  • No 4506-T.
  • Up to 75% loan-to-value.
  • Seasoning of down payment optional (maximum 70% LTV).
  • Impounding of property taxes/insurance optional (maximum 70% LTV).
  • Gift funds allowed (maximum 70% LTV).
  • $100,000 minimum loan amount.
  • $2,000,000 maximum loan amount.
  • Purchase, rate and term, or cash out refinance.
  • Investment only. No owner-occupancy or second homes.
  • Residential SFR, PUDs, condos, townhouses & 2-4 units.
  • Commercial 5+ unit multifamily, mixed use, office & retail.
  • No DSCR calculated on any residential 1-4 unit collateral.
  • 1.25 DSCR on 5+ unit multifamily, mixed use, office & retail.
  • Provide leases only on residential collateral.
  • Provide rent roll and leases on commercial collateral.

To download underwriting guidelines
for our no income, no employment, no asset, no ratio loan program:

To download a loan application
for our our no income, no employment, no asset, no ratio loan program:

LENDERLINE® is your no income, no employment, no asset, no ratio lender of choice. No doc home loans, also known as no documentation loans or low income loans, are our specialty.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA

best live chat