Our loan program

No-Income Investment Loans

Purchase or Refinance

Real estate investors can secure financing for the purchase of another property without having to submit their tax returns.

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Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

No Income Verification Loans

If you get the majority of your income from real estate properties, this could be a great option for you. Avoid the lengthy, arduous loan approval process of a conventional loan with a no-income investment loan that you can qualify for based on the value generated by the property you already own.

A lender will determine whether or not you qualify for a loan based on your ability to repay the loan without verification of your personal income. For example, you won’t need to submit a tax return or months of pay stubs in order to prove your ability to pay off your loan. Instead, you will simply have to prove you can cover the payments based on the value of assets you own.

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BENEFITS

Why Should You
Choose Us?

Equity Direct Financial, LLC can direct investors to no-income loans, which can be determined based on a ratio of a property’s net operating income compared to its mortgage debt over the past year. We’ll help you apply and prove you have the assets necessary to cover the amount of your loan. The ratio is your annual gross rental income from the properties that you own divided by the debt you owe on these properties.

  • Customer Focused
  • Minimal Documentation
  • In House Fund Control
  • Best Loan Services
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Adam Vaughn
“Just want to express my appreciation to Jason Gregoroff with Equity Direct Financial. My situation was a bit challenging, and although it took a few months, Jason was always keeping me in the loop and checking in, allowing me to feel at ease with the process. I have worked with other lending institutions and please give Jason and his team a shot at helping you. They are friendly, efficient, hard working, but most of all trustworthy of your personal information. Highly recommend !!!!!”

INVESTING SERVICES

Our Core Investing Service

Whether you’re looking to invest in a new home or refinance your existing home, Equity Direct Financial can provide all the help you need.

Equity Direct Financial – Commercial Loan

Commercial Rental Property Loans

Investors can turn to lenders for help purchasing commercial rental property investments.

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Equity Direct Financial – Hard Money

Hard Money

Hard Money loans are asset-based financing that allows the homeowner to access equity without using credit scores or income.

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Equity Direct Financial – DSCR Loan

DSCR Loans

You can qualify for an investor loan that does not require your personal income to be submitted and analyzed.

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WORK WITH US

States We Lend

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Score and background check

USA-Map-2-1 (1)
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$250K – $10MM+ non-owner occupied property

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2-months of recent bank statements

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Fix & Flip Experienced Required

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