Asset-Based Qualification
SFR No Ratio
Program
Asset-based qualification for immediate portfolio expansion. No debt-to-income ratio. No income documentation. Your assets do the talking.
Capital Structure
Financial parameters.
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Loan Range
Purpose-built for high-net-worth investors and self-employed borrowers who don't fit conventional income models.
$100K — $2M
Max LTV
75%
Purchase and refinance.
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No DTI
Debt-to-income not calculated
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No Income Docs
No W-2s, tax returns, or bank statements
Loan Term
30yr
Fully amortized
Min FICO
660
Credit score required
Ideal for These Borrowers
check_circleSelf-employed / business owners
check_circleHigh-net-worth individuals
check_circleInvestors with complex income
check_circleRetired borrowers
check_circlePortfolio expansion — no limit on properties owned
Rate Options
Program terms.
Adjustable Rate
5/1 ARM
Lowest initial rate for investors with a near-term refinance or sale exit.
Adjustable Rate
7/1 ARM
Medium-term stability before rate adjustment — good for growing portfolios.
Fixed Rate
30-Year Fixed
Complete payment certainty for long-term holds — no rate risk, ever.
Expand Your Portfolio Without the Red Tape
No income docs. No DTI. Just your assets and your vision.