No-ratio loans for investment properties: no income documents, no debt-to-income math.
Approval rests on your credit, your liquid assets and the equity in the property. Your income never enters the file. Built for investors, including high-net-worth borrowers and retirees, who value privacy. Buying or refinancing a home you live in? Your options are below.
Check My No-Ratio Options
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
60 seconds · no hard credit pull · never sold
- Investment properties only: not a home you live in, and not a second home.
- 680+ credit. Below 680, we route you to P&L (from 640, on loans of $150,000 or more) or Bank Statement (from 620, and on smaller loans).
- Up to 65% loan-to-value: purchases with 35% down, refinances up to 65% of value.
- No tax returns, W-2s, P&L or bank-statement income analysis.
- No debt-to-income calculation.
- Qualify on credit, liquid assets and equity.
- Living in the home? A P&L loan (640+), a bank statement loan (620+) or the no-income-verification HELOC (680+, lines of $150,000+) covers it instead.
- Loans from $75,000 to $5,000,000.
- Available in all 35 states + D.C. where Arran is licensed.
Rather just talk? Call or text us at (949) 401-7593
680+
Minimum credit
65%
Max loan-to-value
0
Income documents
No DTI
Debt-to-income math
$75K–$5M
Loan amounts
Investment properties only. Primary residences and second homes use the P&L, Bank Statement or no-income-verification HELOC programs.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- 680+ credit with real equity: up to 65% of value (35% down on a purchase)
- Investment properties, purchase or refinance
- Investors whose income is private, complex or irregular
- Loans from $75,000 to $5,000,000
We're not the right fit for:
- Primary residences and second homes (see P&L, Bank Statement or the no-income-verification HELOC)
- Credit under 680 on this program (see P&L or Bank Statement)
- Loan-to-value above 65%
- Loans under $75,000
- Properties outside the 35 states + D.C. where Arran is licensed
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Credit, assets and equity. That's the file.
For investors who would rather not open their books.
What You Need
Four things.
- 680+ credit
- Liquid assets to show
- Equity: a loan up to 65% of value
- An investment property, not a home you live in
What You Skip
Everything about your income.
- No income paperwork at all
- No debt-to-income ratio
- No explaining your write-offs
- No employment verification letters
Living in the home?
Your own home takes a different lane, and there are three
When you'll live in the home, federal ability-to-repay rules mean the lender has to verify that you can repay, from documented income or assets. That's why we offer no-ratio on investment properties only. Owner-occupants have three good options instead.
P&L loan
- One profit and loss statement stands in for tax returns
- 640+ credit, loans from $150,000
- Purchase or refinance
Bank statement loan
- 12 months of personal or 12 or 24 months of business statements
- 620+ credit (660+ in second position)
- Purchase or refinance
No-income-verification HELOC
- No income documents at all: your credit and equity do the work
- 680+ credit, lines of $150,000 or more
- A home you already own; your first mortgage stays in place
Why can a HELOC skip income documents? The ability-to-repay rule applies to closed-end loans such as a first mortgage, and a home equity line of credit is open-end credit outside it.
Calculator
Loan Calculator
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Loan Term
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Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Investors
Investment (DSCR)
The rent qualifies, not your W-2
See DSCR options → - Cash In Hand
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
See Refinance options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - Veterans
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
See VA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - Bank Deposits
Bank Statement
Your bank deposits qualify you, not your tax returns
See Bank Statement options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
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.
Guides
Go deeper before you decide.
Plain-English guides with the same numbers the quiz uses.
FAQ
Frequently Asked Questions
Common questions about No-Ratio Loan loans.
Get Started Today
Straight answers, fast.
Check your No-Ratio 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
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.