No Job Verification.No W-2s.The Property Qualifies You. — Investment Property Cash-Out Refinance With No Employment
- Zero employment verification: ever
- No W-2s, no tax returns, no pay stubs
- Self-employed, retired, or complex income, all welcome
- Up to 80% LTV: property income is all that matters
Self-employed or complex income? The property's rent is all we need. Submit your deal.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Why DSCR Was Built for Investors Like You
Conventional lenders built their underwriting for W-2 employees with predictable paychecks. Real estate investors, especially those who are self-employed, retired, or structured through LLCs, frequently show low taxable income on paper due to depreciation and business deductions. Conventional lenders decline them.
DSCR loans ignore your personal income entirely. No W-2. No tax return. No employment check. No DTI calculation. The rental income from the property you're refinancing is the only income that matters.
The formula is simple: monthly rent divided by monthly PITIA. If that ratio is 0.75 or above, you qualify. Your profession, your tax situation, and your employer are irrelevant.
Requirements
What You Need to Qualify
Employment Verification
Not Required
W-2 or Pay Stubs
Not Required
Tax Returns
Not Required
Min Credit Score
660 FICO
Max LTV
Up to 80%
Min DSCR
0.75+ (Expanded)
No Employment Verification FAQ
No W-2? No Problem.
The property qualifies you. Submit your deal.