No Income Loans
Buy Or Refinance Your Home. No Income Verification! LTV Up To 75% For Cash Out Or 80% For Home Purchases.
Apply Now
No Income Loan: Program Highlights & Borrower Benefits
Our No Income Loan is designed for borrowers who prefer not to provide traditional income documentation like tax returns, W-2s, or bank statements.
Qualification is based on property cash flow, assets, equity position, and overall financial strength — not personal income.
This program is built for asset-backed borrowers who understand leverage.
Program Highlights
DTI Calculation: Never required
Min Credit Score: 660+ (680+ preferred for better terms)
Maximum LTV: Up to 80% depending on property and credit
Property Types: Single family residence, condo, 1-4 units
Income Documentation: Never required
Occupancy: Owner-occupied, second home, and non-owner occupied available
Reserves: Typically 6–12 months required
No W-2s.
No tax returns.
No traditional DTI.
Approval is based on the strength on credit and assets — not your income.
Program Highlights
Loan Amounts: Up to $3,000,000 (varies on loan to value)
Min Credit Score: 660+ (680+ preferred for better terms)
Down Payment: Starting at 20% (varies by credit profile)
Income Documentation: Never required
DTI Calculation: Never required
Maximum LTV: Up to 80% depending on property and credit
Property Types: Single family residence, condo, 1-4 units
Occupancy: Owner-occupied, second home, and non-owner occupied available
Reserves: Typically 6–12 months required
No W-2s.
No tax returns.
No traditional DTI.
Approval is based on the strength on credit and assets — not your income.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Simple
At Equinox, we specialize in no income lending strategies.
We help borrowers:
- Keep their write-offs aggressive
- Protect their tax structure
- Real estate buying with triggering DTI calculations
- Close quickly without unnecessary documentation
Our team understands no income loan structuring, making it easy to participate in real estate investing.
This isn’t a traditional mortgage.
This is a leverage strategy.
Why Choose a No Income Loan?
If your credit and assets are outstanding, then you already qualify.
No income? Credit and asset verification only.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
%
Application to Closing Conversion
Funded Home Loans
%
Application to Closing Conversion
Answers to Your Questions
What is a No Income Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
Check out our Hundreds of 5 Star Reviews
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
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