Skip the W-2s and tax returns. Qualify based on the property's performance.
For self-employed real estate investors, showing qualifying personal income on tax returns can be a significant hurdle. Write-offs and deductions that make sense for tax purposes often disqualify you from conventional bank loans.
Fidelity Funding offers robust no-income-verification loan programs specifically designed for real estate investors. We don't need your W-2s, pay stubs, or tax returns.
Instead, we utilize Debt Service Coverage Ratio (DSCR) loans where the property's rental income qualifies the loan, or Bank Statement programs that look at your actual cash flow. For short-term bridge and flip loans, we base the approval entirely on the asset's equity and After Repair Value.
Keep your personal finances private and scale your real estate portfolio without artificial income limits.
DSCR stands for Debt Service Coverage Ratio. It's a loan where the lender qualifies the property based on its ability to generate enough rental income to cover the monthly mortgage payment.
For our pure asset-based and DSCR programs, we do not verify personal employment or require W-2s.
Yes, our fix and flip hard money loans are inherently no-income-verification, as they are underwritten based on the property's current value and ARV.
They are typically slightly higher than conventional, fully-documented bank loans, but they offer unparalleled flexibility and scalability for serious investors.
If closed in the name of an LLC or corporate entity, they typically do not report to your personal credit, keeping your personal DTI unencumbered.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT