No Traditional Income Documents

Certain investment programs do not require traditional personal income documents such as W-2s, pay stubs or tax returns.

Why choose this option?

An investor with complex personal income may prefer a property-based qualification method.

What can it be used for?

Purchase or refinance eligible business-purpose investment properties; permitted cash-out uses depend on the program.

How it works

“No doc” does not mean no paperwork or guaranteed approval. Credit, appraisal, identity and funds documentation may still be required. Most consumer home mortgages require verified repayment ability.