No Doc Investment Loan Nationwide – 30-Year SISA Program For SFRs, 2-4 units, condos, Multi-family, Mixed Use, and Commercial

Our No Doc Investment Loan in California is designed for investors who need fast, flexible financing without the paperwork. Whether you’re purchasing or refinancing, this program offers up to 75% Loan-to-Value (LTV)—with no income, no asset, and no reserve requirements.

Key Program Highlights

Loan Type: No Doc / SISA (Stated Income, Stated Assets)
Purpose: Purchase, Refinance or Cash out
Loan Term: 30 years fixed
LTV: Up to 70–75%
Credit Score: Minimum 650 mid-FICO (options available below 650)
Property Types: SFRs, 2–4 units, condos, multi-family, mixed-use, and commercial
Documentation: No income, no asset, no reserve requirements

Who This Program Is For

This program is ideal for real estate investors and self-employed borrowers seeking a true no documentation loan. Whether you’re expanding your investment portfolio or refinancing for cash-out, our No Doc Investment Loan offers speed, simplicity, and flexibility.

Why Choose Our No Doc Loan Program?

Quick approvals — typically within days
Flexible guidelines for unique borrower profiles
Competitive rates for both purchase and refinance transactions
Options for borrowers under 650 FICO – ask about our alternative programs

Example Scenario

Investor purchasing a multi-family property at 75% LTV under our No Doc Investment Loan in California program. No income or asset verification required, 30-year fixed term, and closing in as little as 10 days.

Ready to Get Started?

Apply now for our No Doc Investment Loan in California and experience one of the industry’s best 30-year No Doc / SISA loan programs. Fast funding, minimal paperwork, and flexible credit options available.

Call today 310-737-8420 — let’s find the right loan for your investment scenario.

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🏠 Bad Credit No Doc Loans – Nationwide Options for Every Investor

Even if your FICO score is 645 or below, we’ve got you covered. Our No Doc Loan Programs offer flexible terms up to 30 years, with competitive rates ranging from 8.7% to 11.49%, depending on equity and credit.

Got tougher credit challenges? Choose our No FICO Loan Program at 50% LTV and enjoy an even better rate with the same great No Doc benefits — no income, no asset, and no reserve requirements.

We say yes when others say no. Whether you’re refinancing or purchasing an investment property, bad credit and low scores are okay — and we lend nationwide.

List of Forms & Documents Required:

Borrowers Address Certification Form Link
Borrowers Cert of Business Purpose Loan Form Link
Borrowers hand written letter of Exit Strategy – need to incorporate items 1-3 below (required for most loans)
1. Purpose of the loan
2. How the borrower can make payments on the new loan/ability to repay
3. Exit strategy to pay off the loan
Photocopy of valid ID
If title to be held in Corporation/LLC Articles of Organization/Incorporation – Operating Agreement/Bylaws
Purchase Transactions – fully executed purchase contract
Refinance Transactions – current mortgage statement
If property is leased, provide lease agreements
If property is leased and is more than 1 unit, rent roll Schedule of Real Estate Owned
Insurance declaration page/quote for coverage or we can provide – just ask us
1003 Loan Application – use printed 1003 leave liabilities blank.
Credit report we will pull or if broker submitted need full 3 bureau –
Borrower authorization Borrower’s Authorization
Borrower authorization to run and pay for credit Credit $ Authorization Form
Borrower authorization To Wire Funds Authorization to Wire Funds
SI form – Statement of Information SI Form – Statement of Information
How do you want to hold title Vesting Form For Borrower
Social Media disclosure Social Media Disclosure
**To expedite your file organize documents in adobe format “.pdf”.