Long Term Loans

No-Income, Low-Doc, Easy Entry

No-Income. Low-Doc. Scale Faster.

Get approved on property cash flow—not your pay stubs. Grow doors without agency red tape.

Perfect for: Buying or refinancing SFRs, duplexes, 2–10-unit small multi, and STRs—with cash-out to fund the next deal.

Why Investors Choose This

Close in 15 days (after appraisal & clear title) High leverage: up to 80% LTV purchase/rate-term; 75% cash-out
Set-and-forget: 30-yr fixed or 40-yr (10-yr I/O) $100k–$5M per door; portfolio options; LLCs OK

How to Qualify (Fast)

DSCR: Target ≥1.00 (can approve near 0.95 with lower LTV/pricing)
Credit: 640+ (best pricing 700+)
Reserves: 3 months P&I based on risk
Docs: (no tax returns): Lease or market rent (1007), appraisal, entity docs, REO schedule, 2–3 months asset statements, ID
Property: Non-owner-occupied 1–4 units, condos, 2–8-unit small multi; STRs allowed (AirDNA/P&L where applicable) Prepay: 3 or 5-yr step-down (buy-down available)

Ready to price your deal?