Advanced Lending Solutions
NO DOCUMENTATION REQUIRED
No Doc Primary Residence Loan
Traditional mortgages focus on your W-2 income. These programs focus on what actually builds wealth: cash-flowing properties and strong assets
No W-2
REQUIRED
Up to 80 %
LOAN-TO-VALUE
LLC
OWNERSHIP ALLOWED
620+
CREDIT SCORE
Three Ways to Qualify Without Traditional Income Docs
Whether you’re an investor, self-employed, or a high-net-worth borrower, we have a path to approval that doesn’t require tax returns or W-2s.
MOST POPULAR
INVESTORS
DSCR (No-Doc) Investor Loan
Qualify based on the rental income of the property — not your personal income. The Debt Service Coverage Ratio (DSCR) measures whether the property’s rent covers the mortgage, making it ideal for real estate investors who want to scale their portfolio without income limitations.​
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Qualify using property rental income only
No personal tax returns or pay stubs required
LLC ownership structures accepted
Up to 80% loan-to-value
Short-term & long-term rentals eligible​​
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REFINANCE
No-Seasoning Cash-Out Refinance​
Access your equity immediately — no waiting period required. Traditional cash-out refinances require you to own a property for 6–12 months before tapping equity. Our no-seasoning program lets you pull cash out right away, even on a recently purchased or renovated investment property.
No ownership seasoning period required
Access equity on recently purchased properties
Perfect for fix-and-flip investors refinancing into long-term holds
No income documentation needed
Close quickly without delays​​
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HIGH NET WORTH
Asset Qualifier Loan
Retired, self-employed, or simply wealthy without a regular paycheck? Qualify using your verified liquid assets. With $500,000 or more in assets, we can structure a loan that uses your portfolio — savings, investments, retirement funds — as your qualifying “income.”​
Qualify using $500,000+ in verified assets
No monthly income documentation required
Retirement accounts, savings & investments count
Ideal for retirees and high-net-worth borrowers
Primary residence and investment properties eligible
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Who Is This Program For?
These programs were built for borrowers who don’t fit the traditional mold — and that’s exactly where we shine. If any of these describe you, a No Doc loan may be the right path.
We believe that’s wrong. Our ITIN mortgage program is specifically designed to help ITIN holders and DACA recipients qualify for a home loan using their Individual Taxpayer Identification Number, alternative income documentation, and as little as 3.5% down.
Whether you’re self-employed, a gig worker, or traditionally employed, we have a path to get you approved and into a home in Texas.
Own or plan to purchase rental or investment properties
Prefer to close under an LLC structure
Want to qualify via property cash flow or liquid assets
Are self-employed, retired, or high net worth
Need to scale a portfolio without income limitations
Want to access equity without a lengthy seasoning period
PROGRAM HIGHLIGHTS
No personal income documentation required
LLC ownership structures accepted
Up to 80% loan-to-value available
Primary residence & investment properties
Scale without traditional income limitations
Ready to Qualify on Your Terms?
Traditional banks said no — we built these programs because your income shouldn’t determine your future. Let’s find the right path for you.
Get Started Today
Call 888-668-3559