No Tax Returns? No Problem.

Written By Jennifer Patel

A Mortgage That Works for Real Life.

Not every borrower has picture-perfect tax returns—and that’s okay. Whether you're self-employed, asset-rich, or just want to skip the income paperwork altogether, there’s a loan option designed for you. It works for both primary and second homes, and it’s loaded with flexibility: high loan limits, generous cash-out options, simplified reserves, and no waiting periods on recently listed properties.

This program is especially helpful for those who may not fit the traditional lending mold—first-time buyers, borrowers with minimal tradelines, or folks with assets tied up in less conventional places (yes, even crypto). If you’ve got equity, a plan, and the desire to make your home goals happen, this could be your golden ticket.

💰 Buy, Refi, or Cash Out—Your Way

Purchasing a new home? You can qualify without income documentation and still go up to 80% LTV on a condo or single-family home—even on second homes. Refinancing? There’s no waiting period, and you can access your equity right away.

Cash-out options are especially powerful. For LTVs at or below 50%, the reserve requirement can be fully satisfied with proceeds from the refinance. For LTVs above 50%, just two months of reserves must come from your own funds—the rest can still come from the equity you’re pulling out.

🏡 Real Options for Real Borrowers

Loan amounts go up to $2.5 million, and properties up to 20 acres are eligible. First-time homebuyers only need two months of reserves. FICO scores as low as 620 are accepted for loans up to $1.5 million.

Condos? Approved. Crypto reserves? Accepted (in some cases). Recently listed home you want to cash out on? Go for it. This loan is built for flexibility.

🔍 Additional Perks

  • No income documentation required

  • No 3-month wait for cash-out after listing

  • Condos and second homes eligible up to 80% LTV

  • Tradeline requirements waived with 3 credit scores

  • Expanded eligibility for visa holders and non-permanent residents

  • Crypto assets may count toward reserves (ask for details)

🐼 Perfect for:

  • Self-employed or retired buyers

  • First-time homebuyers with limited credit

  • Borrowers with large assets but unconventional income

  • Homeowners looking to refinance or cash out

  • Buyers of larger or unique properties

💡Let’s Make It Happen

Whether you're ready to buy, refinance, or tap into your equity, this loan could be the flexible path forward. I’ll help you figure out if it’s the right fit—no pressure, just options.

Jennifer Patel
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👑Why Refinancing Still Rules