Exit Your Hard Money.Into Long-Term DSCR.No Income Docs. No W-2s.
- Replace hard money with a 30-year fixed DSCR loan
- No W-2s, no tax returns, no employment verification
- Up to 80% LTV: pay off hard money and access equity
- Average close time 28 days: before balloon hits
Hard money balloon approaching and no income docs to qualify conventionally? That's exactly what DSCR is for.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
The Hard Money Exit Most Investors Don't Know About
Hard money loans were designed as short-term bridge financing. The exit strategy is permanent financing, but most investors assume that means a conventional loan with full income documentation. For self-employed investors or those with complex tax situations, that path is often closed.
DSCR loans are the clean exit from hard money that requires zero income documentation. The rental income from the property pays off the hard money loan and establishes long-term fixed-rate financing: no W-2, no tax return, no DTI.
Example: hard money at 12% interest-only. New DSCR at 7.0% on a 30-year term. Monthly savings are immediate. No income docs. Close in 28 days. The hard money balloon is no longer a crisis.
Requirements
What You Need to Qualify
Income Verification
None
W-2 or Tax Returns
Not Required
Min Credit Score
660 FICO
Max LTV
Up to 80%
Seasoning Required
None
Loan Type
30-Year Fixed
Hard Money Exit No Income FAQ
Hard Money Balloon Coming?
No income docs needed. Submit your deal today.