Case Study 1: No Income Verification Investor Loan
Borrower Profile
- Real estate investor who originally purchased a property using a hard money loan.
- Initial plan: fix and flip the property.
- Challenge: After renovations, the property did not sell as quickly as expected.
Problem
The borrower was left with a high-interest hard money loan and no immediate exit strategy. Without sufficient proof of personal income or employment history, he needed an alternative solution to secure long-term financing.
Solution
We provided the borrower with a No Income Verification Investor Loan:
- Transitioned from hard money financing to a 30-year amortized loan.
- Reduced the interest rate by 4 percentage points, significantly lowering monthly payments.
- Instead of verifying income or employment, we used the property’s rental income to support the new mortgage.
Results
- Borrower stabilized his investment with affordable long-term financing.
- The property is now generating consistent rental cash flow.
- He gained flexibility—no rush to sell at a discount, and the ability to hold the property until the market improves.
Key Takeaway
This case shows how our No Income Verification Investor Loan can provide real estate investors with a reliable exit strategy from costly short-term loans, while leveraging rental income to qualify.
Case Study 2: No Income Verification Investor Loan
Borrower Profile
- Credit Score: 680
- Goal: Purchase an investment property
- Challenge: Limited ability to qualify for a conforming loan due to income documentation and reserve requirements
Problem
The borrower initially pursued a conforming investment loan, but due to strict underwriting requirements, they faced two major hurdles:
- Loan approval capped at 70% Loan-to-Value (LTV)
- Heavy reserve requirements, which tied up capital and made the investment less attractive
The Solution: No Income Verification Investor Loan
Instead of relying on traditional income and employment documentation, the loan was structured using our No Income Verification Investor program. This allowed qualification based solely on the cash flow of the property.
Key Results
- Approved at 75% LTV (higher leverage than the conforming option)
- Minimal reserve requirements, freeing up the borrower’s capital
- No income or employment verification required—only property cash flow analysis was used for qualification
Key Takeaway
This case shows how our No Income Verification Investor Loan can provide real estate investors with a reliable exit strategy from costly short-term loans, while leveraging rental income to qualify.
Outcome
The borrower was able to successfully purchase the property under terms that supported their investment goals. By leveraging the no income verification loan, they gained greater purchasing power and flexibility compared to traditional financing.
Case Study 3: No-Income Verification Loan for Real Estate Investor
Client Profile:
An experienced real estate investor identified a property in a highly desirable neighborhood that had just become available. Due to the time-sensitive nature of the deal and the borrower’s temporarily low cash reserves, securing financing through traditional channels was not feasible.
Challenge:
- Limited liquid cash available to close quickly.
- Traditional financing would require income and employment verification, which would delay or even jeopardize the opportunity.
- Investor needed a flexible solution to leverage existing assets without disrupting his portfolio.
Solution:
We structured a no-income verification loan by:
- Leveraging Equity – Assisted the borrower in pulling cash out from one of his existing investment properties.
- Flexible Financing – Both the new acquisition and the cash-out refinance were secured without requiring income or employment verification.
- Cash Flow Based Qualification – Approval was based on the rental cash flow performance of both properties.
Result:
- Borrower successfully secured the desired property in a competitive market.
- Preserved the investor’s ability to expand his portfolio quickly.
- Demonstrated the power of asset-based lending solutions in helping real estate investors act decisively.
