No Income? No Problem!

 

At Valor Lending Group we offer powerful financing tools to real estate investors by qualifying based on the current and future rental income stream of real property. Come check out our incredible array of niche programs geared specifically for investors.

 

Valor Lending Group offers no-income-verification real estate investor loans! Designed for the experienced real estate investor who is purchasing or refinancing investment properties which he or she plans to hold for a business purpose, we have loan options including: 

• 5/1, 7/1, and 10/1 LIBOR ARMs, fully amortizing;
• Interest Only available for 5/1 ARM during fixed rate period; and
• 15 and 30 year fixed rate, fully amortizing. 

With Our Real Estate Investor Mortgage Program: 

• The borrower is qualified based upon the cash flows of the subject property; 
• Debt coverage ratio is used for qualifying purposes (Min. DCR 1.0)
• No income or job history required (no borrower income/employment is stated or verified); 
• No tax returns required; 
• No debt to income ratio calculated; 
• 4506T not required; 
• First time home buyers OK;
• No limit on the number of properties owned or financed;
• SFR, Condo, 1-4 unit; 
• Max loan amount is $2.5mm (purchase and rate/term) / Cash Out Refi to $2mm; and best of all,
• All we need is subject property, lease agreement, and PITI! 

Now it’s easier than ever for borrowers to qualify with our cash flow program which often requires only 3 months reserves for loans up $1mm. We can also use market rents determine cash flow on vacant properties! 

Do not hesitate to Call, Text, or Email me at anytime for immediate attention to your loan scenario.

Here is a Recap of our Loan Products:

1. Hard Money Loans (28-35% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
5. Flipper & Rehab Loans (Flip a property with one of our many options)
6. 2^nd Position Loans up to $5mm
7. Raw Land & Lot Loans
8. Ground up Construction for spec homes, custom homes and commercial ground up.
9. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
10. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
2. High Balance Conforming aka Super Conforming (from $453,100-$649,750)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out