HELOC in as little as 5 business days · P&L loans, no tax returns · No hard credit pull
A HELOC in as little as 5 business days.A P&L loan with no tax returns.
Pay down high-interest debt with your equity while your first mortgage stays put, or qualify on one profit and loss statement instead of tax returns. See your options in about 60 seconds, with no hard credit pull.
Find My Loan
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
Rather just talk? Call or text us at (949) 401-7593
60 seconds · no hard credit pull · never sold
- HELOC: qualify on household income; people in the home can count even if they aren’t on the loan or the title
- Fast equity: up to 90% of your home's value counting current loans (80% in Texas), funded in as little as 5 business days
- No income documents: on a HELOC at 680+ credit with a line of $150,000 or more
- P&L loan: one profit and loss statement is your income file, with no tax returns and no bank statements
- Primary or investment: 1–4 units, with HELOC lines from $50,000 to $5,000,000
- No hard credit pull: to see your options, and your info is never sold
Arran Amorozo
Vice President, West Capital Lending, Inc. · NMLS #1491497
2,000+ loans funded · $600M+ volume
4.97(99 verified reviews)90%
HELOC: max combined loan-to-value
5 business days
HELOC funding, as fast as
$50K–$5M
HELOC line amounts
No tax returns
P&L loan: one P&L qualifies you
640+
P&L minimum credit
Why 5 business days is possible: in most cases an automated valuation replaces the appraisal appointment, seeing your options takes a soft credit pull, and you e-sign to close. Days, not weeks.
On a Texas home you live in, home-equity loans take at least 12 days and are capped at 80% combined by state law; our HELOC keeps the same limit on a Texas rental. Program terms depend on credit, loan-to-value, property type and loan amount. All loans subject to credit approval.
Our Lending Box
Can we fund it? Find out before you apply.
No guessing and no wasted time: here's what we can and can't do across every program.
Show me what you can and can't fund
We can help with:
- Financing at 620+ credit on primary homes and investment properties, in all 35 states + D.C. where Arran is licensed
- HELOCs up to 90% of your home's value counting current loans (80% in Texas), lines from $50,000 to $5,000,000
- DSCR loans below 620 credit: refinances up to 50% of value, purchases with 50% down
- Purchases below 620 with a larger down payment: FHA with 20% down (from HUD's 500 minimum), VA with 10%, conventional with 20% (30% on a rental)
- Refinancing your own home below 620: FHA and VA refinances (FHA from HUD's 500 minimum), conventional and cash-out refinances with the balance under 65% of value, and those at 65% or more in California
- Free-and-clear cash-out below 620 in Oregon & Washington, even on a P&L or hard money loan: loans over $200,000, up to 50% of value
- Home Equity Investments from 500 credit in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA: your credit band sets the max (60%–75% combined)
- Reverse mortgages: any credit score, primary residence, current balance under 50% of value
- Loan amounts from $75,000 to $5,000,000 (HELOCs from $50,000, HEIs from $50,000; DSCR up to $3,000,000; HEIs up to $600,000)
We're not the right fit for:
- HELOCs below 620 credit (a Home Equity Investment may work instead)
- Conventional and cash-out refinances of your own home below 620 when you owe 65% of its value or more, outside California (a Home Equity Investment may work in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA)
- P&L loans below 640 credit, except a free-and-clear refinance of your own home in Oregon & Washington below 620 (from 620 to 639, we'll point you to a bank statement loan instead), and No-Ratio loans below 680
- Loans under $75,000 (HELOCs from $50,000, HEIs from $50,000, P&L from $150,000, reverse mortgages have no loan minimum)
- Properties outside the 35 states + D.C. where Arran is licensed
Score on the way up? Come back any time and we'll gladly take another look. Something in between? Call or text (949) 401-7593.
Credit under 620? Check the HEI credit tiers
| Credit score | Max combined loan-to-value | On an investment property | Lien position |
|---|---|---|---|
| 500–539 | 60% | 50% | 1st or 2nd lien only |
| 540–579 | 65% | 55% | 1st, 2nd or 3rd lien |
| 580+ | 75% | 65% | 1st, 2nd or 3rd lien |
A Home Equity Investment is not a loan: no monthly payments, in exchange for a share of your home's future value. The HEI itself is never more than 25% of your home's value, from $50,000 to $600,000, and it's available in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA. Below 500 credit, no HEI. See the full HEI program →
The Two Flagships
Cash from your equity, or a mortgage without tax returns.
5-Day HELOC
Borrow against up to 90% of your home's value while your first mortgage stays put.
- Funding in as little as 5 business days (Texas: at least 12 days on a home you live in, by state law)
- Lines from $50,000 to $5,000,000, primary homes or investment properties, 1–4 units
- Your first mortgage and its terms stay exactly as they are
- 620 minimum credit; no income documents at 680+ on lines of $150,000 or more
P&L Loan · No Tax Returns
Qualify on one profit and loss statement, not your tax returns.
- No tax returns and no bank statements
- Built for business owners whose write-offs shrink the income on their returns
- Purchase or refinance: primary home, second home or investment property
- 640+ credit, loans from $150,000
Your Loan Strategist
Arran Amorozo
Vice President, West Capital Lending, Inc.
NMLS #1491497 · 2,000+ loans funded · $600M+ volume
You get a straight read on your scenario from MortgagePro. If a program is not a fit, Arran and his team will let you know, so no time is wasted.
4.97(99 verified reviews)Loan Products
Every Mortgage Scenario, Covered
14 ways in. One smart quiz to find yours.
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
Investment (DSCR)
The rent qualifies, not your W-2
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
Bank Statement
Your bank deposits qualify you, not your tax returns
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
Hard Money
Asset-based: close in days, not months. Purchase or refinance
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
Purchase
Get pre-approved for your next home
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
Reverse Mortgage
55+: equity access, no monthly mortgage payment
Proof, Not Promises
Recently Funded Deals
Real closings from Arran's own book. Licensed in 35 states + D.C..
- Bank Statement, Santa Ana, CA, $3,000,000
- HELOC, Vacaville, CA, $399,910
- Purchase, The Villages, FL, $325,800
- Cash-Out Refi, Danville, CA, $1,250,000
- Bank Statement, Miami, FL, $1,592,000
- Bank Statement, Orange, CA, $1,360,000
- Rate/Term Refi, Santa Ana, CA, $920,000
- Rate/Term Refi, Yorba Linda, CA, $596,000
- Rate/Term Refi, Buena Park, CA, $721,000
- Bank Statement, Hialeah, FL, $1,987,500
- Rate/Term Refi, Aiea, HI, $618,500
- P&L Loan, Miami, FL, $376,000
- FHA, Anaheim, CA, $743,030
- HELOC, Vista, CA, $500,000
- DSCR, Dover, NH, $508,000
- P&L Loan, Palm Coast, FL, $840,000
- Purchase, Ontario, CA, $783,750
- VA, Chula Vista, CA, $740,000
- Purchase, Orange, CA, $1,224,000
- Purchase, Miami, FL, $629,100
Verified Client Reviews
4.97 ★ across 99 verified reviews on Experience.com
“Aaran, was fantastic! He explained everything clearly and found the right loan for me and my family. It was quick and easy. I will definitely recommend his services to my friends and family”
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
Questions, Answered
Straight answers to common questions.
A HELOC in days. A P&L loan with no tax returns.
Check your options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call