No income? No problem!!
With Valor’s Investor Cash Flow Loan Programs, if your leases can cover the new mortgage payments (PITIA), we can fund your investment property purchase or refinance scenario with NO tax returns and NO income verification.
Real estate investors LOVE this excellent financing solution, a great asset to expand their portfolios and build wealth.
- Loan Amounts to $10m
- LTVs to 80%
- Cash Out to 70%
- Credit Scores Starting at 620
- Interest Only Option
- No Minimum DSCR Ratio
- ARMs and FIXED Rates Available
- SFR, 2-4 Unit, and Warrantable Condo
- One Appraisal to $1.5m
- NO Tax Returns
- NO Employment Required / NO Income Required
- Stated Income
- Bank Statement
- Bridge Loans
- Rehab Loans
- Asset Depletion
- Commercial Full Doc
- Commercial Light Doc
Call or email me for immediate attention to your scenario.
Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.
Valor Lending Group also offers literally every loan in the book! Check out more information on our programs below and please do not hesitate to call on me for any scenarios. I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products:
- Stated Income Loans (No Tax Returns, no W-2s, No P&L)
- Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
- Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
- Flipper Loans (Flip a property with one of our many options)
- Line of Credit
- 100% Financing
- Foreign Nationals Loans (no social security or residency required)
- Raw Land or Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd-Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 5% down Jumbo (Up to $2mm Lender paid PMI)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
- High Balance Conforming aka Super Conforming (from $484,350-$726,525)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, VA, USDA
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out