Mon – Fri 9-6 EST
Sat-Sun Closed
9465 Counselors Way Suite #200, Indianapolis, IN 46240

Credit Challenged No More! Buy Rental Real Estate without a W2!

The Complete Guide to No Ratio Loans and How They Simplify Real Estate Investing

easy loans for bad creditIntroduction: What is a No Ratio Loan and Why Should You Consider Investing with One?

No ratio loans are a type of investment loan that does not require the borrower to show any personal income or asset documents. The only requirement is that the borrower has a high credit score based on the profit potential of the real estate rental income and the value of the property.

Credit Challenged Investors Have Options!

No DSCR Ratio: A no DSCR ratio means that you can invest without having to show your debt-to-income ratio, which would be impossible for many people because they simply don't have enough income to cover their monthly expenses. 

No W2s Required: You don't need to provide your pay stubs, tax returns, or other documentation showing your earnings in order to qualify for this type of loan. In other words, you can get a no ratio loan if you have bad credit, no credit, or any other type of questionable financial history.

What Advantages Does the Format of a No Ratio Loan Offer Over Other Types of Investment Lending?


  • 3/1 ARM – NO Balloon

  • 5/1 ARM – NO Balloon

  • 10/1 ARM - NO Ballonn

  • 30 year fixed - Fully amortizing

  • Interest Only option


EZ Qualifying Process – 3 week closing

  • No W2s Required

  • No tax returns Necessary

  • No 4506s Ever

  • 620 credit minimum

  • Past bankruptcy OK – Greater than 2 years

  • Past foreclosure OK – Greater than 2 years

  • LTVs up to 70% of the value today

Loan Purposes

These No Ratio income mortgages can be used for:

  • Vacation rentals

  • Single family properties (1-4 unit)

  • New acquisitions

  • Cash out refinances

  • Multifamily properties

  • Apartment buildings

How to Get Your Balance Sheet Ready for Your First Low-Down-Payment Real Estate Investment With No-Ratio Loans:

Start simple, know your market. Meanwhile, clean your personal credit the best you are able, start an LLC, start hunting properties, and then get ready to grow that automated income real estate portfolio you always dreamed of.

How to Apply for Blanket Loans & No Ratio Loans?

CALL TODAY: 888-375-7977

Rental Home Financing Investment Loans

Read 893 times

Rental Home Financing
9465 Counselors Way
Suite #200,
Indianapolis, IN 46240


Fast Online Loan Application
Apply Now!

CALL TODAY: 888-375-7977

About Rental Home Financing:

Rental Home Financing, as the best mortgage lenders we originate rental home loan products and cash out refinance investment property loans as the best investment property refinance lenders. Commercial blanket loans are available with a commercial purpose to suit your needs.

Also, as DSCR loan specialists, we are currently authorized to make such loans in most all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). When you are ready to get a mortgage for rental property, we are ready to serve you.

© Copyright 2024 Rental Home Financing. All Rights Reserved. is a subsidiary of
Direct Money Lenders Inc. NMLS #144773