No Income Verification Lending
Many lenders shy away from offering this type of financing, even though you’re a prime candidate with a successful track record.
Instead of fighting with banks and other lenders who refuse to review your investments, our team is here to help. We have experienced originators that you can trust by basing loan options off of credit scores and available assets. We give you the lending options you have been struggling to find.
Income statements, verification, and tax documentation just aren’t enough to paint a whole financial picture. Work with a lender that understands your unique needs, and works diligently to accommodate them without putting the burden on you. When it feels like you are running out of borrowing options, just give us a call.
Who Needs Asset-Based Lending?
On paper, someone with a full-time salary is a wise choice for a lender to finance when they need to purchase a home. However, when that job includes specific variables that affect their income, lenders may be less eager to approve them.
Whether they wait tables, work on a commission or sales basis, or are self-employed, it can be challenging to find loan approval. Not only does this frustrate loan seekers, but it can limit their available funding pool.
Traditional financing focuses too much on these insignificant details. We can look at the whole picture and find solutions to secure your funding without verifying your income.
We offer simple lending solutions. We base our loans on credit scores, debt history, and current assets, helping you purchase property with confidence.
You have secured a steady stream of income to use for investing; now let us help fund your project. When traditional lenders can’t be convinced, we are here for your investment requirements.
Commercial Hard Money Loans
Our commercial hard money lending packages are specially designed to meet the diverse and unique needs of real estate investors. For those who choose to grow their wealth through real estate, flexible lending guidelines and underwriting are critical. We look at each application with the goal of getting you the financing you need to achieve your goals. We’re looking for solutions, not for whether you look like an ideal candidate on paper.
- No tax returns
- No pay stubs
- No 4506 forms
- Maximum cash out
- Programs for damaged credit
- No Seasoning
- 30 yr fixed rates, starting at 4.875%
- Fix and Flip 90/90 Loans
- 1-4 Family Construction to 100% of Construction Costs
- Foreign National Programs
- Loan Amounts from $100,000 to $5 Million
Why Choose Us?
We know that sometimes all you need is to find a lender who puts your vision first. By offering more accessible loan options, we can help you make a real estate purchase without jumping through hoops.
You need a company who believes that you have the capability of paying off your mortgage, even when it isn’t easy to verify income. If you work on a job by job basis, rely on tips, or work off commission, you need help purchasing your next home.
We have helped many people just like secure the resources they need to buy property. When you have a lender who understands your needs, you can receive the best loan possible for your purchases.
For the expert choice in local hard money lending, choose us today for your needs. You don’t need verifiable income to make a smart purchase!
Typical Income Types
Not everyone has your standard 9-to-5 position; some hard-working and successful people aren’t given the treatment they deserve when it comes to financing. This is because banks don’t try to see the whole picture.
We’ve been assisting those with non-traditional jobs acquire the resources they need to grow their wealth, even with income types that are challenging to verify. Some of the most common positions that rely on this form of funding include:
We know that sometimes all you need is to find a lender who puts your vision first. By offering more accessible loan options, we can help you make a real estate purchase without jumping through hoops.
You need a company who believes that you have the capability of paying off your mortgage, even when it isn’t easy to verify income. If you work on a job by job basis, rely on tips, or work off commission, you need help purchasing your next home.
We have helped many people just like secure the resources they need to buy property. When you have a lender who understands your needs, you can receive the best loan possible for your purchases.
For the expert choice in local hard money lending, choose us today for your needs. You don’t need verifiable income to make a smart purchase!
Wait Staff
Dishwashers
Entertainment Industry Workers
Cash-Only Businesses
Self-Employed Workers
Partial or Full Commission Paid Workers
Real Estate Investors/Flippers
Family-Run Businesses
Freelancers/Gig Economy Workers
Other Non-Traditional Occupation Types
Other Non-Traditional Occupation Types
When you have a job that you love, or you’ve been working in your field for a long time, it may not seem fair to get penalized when you decide to purchase an investment property. Instead, we want to work with you to find solutions for your exact purchase needs.
Paystub Free Lending
It would be nice if all jobs came with a paystub. However, when you are paid cash or have a non-traditional pay arrangement, it may not always be straightforward to purchase what you need.
For the hard money lenders assisting more home purchases in the Massachusetts market, Investors Choice Lending is the expert option in hard money lending. Let us help you buy your property regardless of your income type!
