Eight alternative-documentation mortgage programs for self-employed borrowers, real estate investors, retirees, and buyers who don't fit the traditional income box.
No tax returns. No W-2s. No Pay Stubs, No Financials Common-sense underwriting
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Our No-Doc Loan Programs are designed for investors who need fast approvals, flexible underwriting, and alternative qualification methods. Whether you're purchasing a rental property, flipping homes, building new construction, or expanding a real estate portfolio, we offer financing solutions that focus on the strength of the property and investment opportunity, not traditional income documentation
Below are the eight most popular no-doc programs 1st Florida Lending offers
A No-Doc Investor Loan allows real estate investors to purchase or refinance investment properties without providing tax returns, W-2s, pay stubs, or employment verification. Approval is primarily based on the property's value, equity, and the strength of the investment rather than the borrower's personal income.
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A Hard Money Loan is a short-term, asset-based loan designed for investors who need fast financing. Instead of focusing on personal income, lenders evaluate the property's value and investment potential, making it ideal for time-sensitive transactions.
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A Fix & Flip Bridge Loan provides short-term financing to purchase, renovate, and resell residential investment properties. Many programs finance both the acquisition and renovation costs, allowing investors to improve properties before selling or refinancing.
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A Commercial Property Loan finances income-producing commercial real estate such as office buildings, retail centers, warehouses, industrial properties, mixed-use developments, and apartment complexes. Many no-doc commercial programs emphasize property performance and equity over personal income documentation.
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A Rental Portfolio Loan allows investors to finance multiple rental properties under one loan, simplifying financing and reducing paperwork. Qualification often focuses on the cash flow and overall performance of the investment portfolio rather than personal income.
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A Ground-Up Construction Loan provides financing to purchase land and build a new investment property from the ground up. Funds are typically disbursed in stages as construction progresses, with many programs offering a streamlined transition into permanent financing after completion.
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A DSCR Loan qualifies borrowers based on the property's rental income rather than personal income. If the property's cash flow is sufficient to cover the mortgage payment, investors may qualify without providing tax returns or employment documentation.
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A Bridge-to-DSCR Loan combines short-term bridge financing with a long-term DSCR refinance strategy. Investors can quickly acquire or renovate a property using bridge financing, then refinance into a DSCR loan once the property is stabilized and generating rental income.
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This page is for general educational purposes only and does not constitute a loan commitment or offer of credit. Non-QM and no-doc programs vary by investor across credit, LTV, documentation, reserves, and prepayment terms. All loans are subject to credit approval and property qualification. Equal Housing Lender.