No-Income Investor Loans

In the world of investment real estate financing, traditional mortgage requirements are often a roadblock for investors. Enter no-income investor loans, a unique lending option designed with real estate investors in mind who may not check all the conventional borrower boxes.

Whether you’re self-employed, are an investor, or have substantial tax write-offs that impact what’s shown on your tax returns, these loan types offer an alternative path to property ownership. This guide will explore what no-income investor loans are, how they work, and who they’re best suited for.

Get Started

Our Reputation Speaks For Itself

Plus Many More, 400+ More...

What is a No-Income Investor Loan?

No-income investor loans allow real estate investors to qualify for financing without having their personal income verified through W-2s or tax returns. Instead, lenders assess other factors, like the property’s rental income (actual and/or projected), property value, and the borrower’s creditworthiness.

Borrowers need to understand that no-income investor loans are meant to finance income-generating investment properties, not primary residences. That means the property must not be owner-occupied at any point and will instead be rented out to others.

Find the Best Mortgage Deals for You

Make your dream home a reality with the right mortgage.

View Rates

TermConforming 30 year fixed

Rate6.000%

APR6.227%

98004 | $800,000 | Credit Score 800+ | 25 Down

TermConforming 15 year fixed

Rate5.125%

APR5.493%

98004 | $800,000 | Credit Score 800+ | 25 Down

View Rates

Why Do No-Income Investor Loans Exist?

Many real estate investors have complex financial profiles, making qualifying for a traditional mortgage challenging. Instead, they may be any one of the following:

Self-employed
Own a business
Use tax strategies and deductions to reduce reported income
Own several properties and have a high net worth
Prefer to use their LLC or corporation to buy a home

For these types of borrowers, traditional mortgage underwriting doesn’t truly reflect their financial strength. No-income investor loans offer a solution by focusing on the property’s rental income rather than traditional income statements.

Get Started

How Do No-Income Investor Loans Work?

As noted, lenders don’t place much weight on W-2s, pay stubs, and tax returns when assessing a borrower’s ability to qualify for a no-income investor loan. Instead, they look at the following:

Rental Income

Actual and/or projected rental income is reviewed. The loan is underwritten based on the property’s ability to cover its debt without relying on personal income

Property Type

Must be a non-owner occupied investment property, such as: – Single-family homes – Condos – Townhouses – Multifamily homes (up to 4 units)

Credit Score

620+

Key Features of No-Income Investor Loans

No-income investor loans offer borrowers several perks:

No Traditional Income Verification

Borrowers don’t need to submit tax returns, pay stubs, or employment verification, making no-income investor loans ideal for borrowers with non-traditional income or significant tax deductions.

Flexible Ownership Structures

Borrowers can purchase or refinance an investment property under their personal name, LLC, or corporation. This gives investors more control over asset protection and tax planning strategies.

Rental Income Assessed

Rental income is assessed because it helps lenders determine whether the property is able to financially support its debts, which is a key factor when the borrower isn’t relying on personal income to qualify.

Get Started

Tips for Success

To ensure loan qualification when applying for a no-income investor loan, consider the following:

Work with a specialized lender: Not all lenders offer no-income investor loans. Look for one that has experience with this type of financing.
Make a larger down payment: Putting more money upfront increases your stake in the property and reduces the lender’s risk.
Plan ahead: Map out your exit strategy, which may include selling or refinancing, especially when using a shorter-term loan.

Get Started

FAQs

Can I use a no-income investor loan for a primary residence?

No, these loans are strictly for non-owner-occupied investment properties.

What down payment is typically required?

A down payment of 20% to 25% is typical, depending on the lender and your credit profile.

Are interest rates for these loans higher compared to traditional mortgages?

Yes, rates can be slightly higher because of the higher lender risk and reduced income documentation.

Can I buy a property under my LLC or corporation?

Yes, these loans typically allow purchases under LLCs and business entities, which is suitable for asset protection.

What types of properties are eligible?

Qualifying properties include single-family homes, condos, townhomes, and multifamily buildings with 2–4 units, as long as they’re for investment purposes.

Where can I buy an investment property using a no-income investor loan?

As long as you and the property qualify, you can use a no-income investor loan anywhere in the US, including Seattle, Los Angeles, Boise, Portland, and Boulder.

Who offers these no-income investor loans?

Only specialized lenders offer no-income investor loans. You’d be well-advised to work with a mortgage company, like Sammamish Mortgage, that is experienced with these unique financing options.

States we lend in

Our loan officers are ready and waiting to help you apply for your home loan.

California Oregon

Final Thoughts

By removing the barriers of income verification and rental income, no-income investor loans offer a faster, less complicated path to property ownership for real estate investors. Whether you’re buying your first investment property or expanding your portfolio, these loans give you the financing you need to make a quick and confident move in a competitive housing market.

Need Financing?

If you’re looking to buy a home as a self-employed individual in the Pacific Northwest region, we can help. At Sammamish Mortgage, we offer various mortgage programs for those without traditional employment documentation in WA, OR, ID, CO, and CA. Visit our website to get an instant rate quote or call us today to have your mortgage questions answered!

Get Started

Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

425-401-8787 Get Started

No-Income Investor Loans

Our Reputation Speaks For Itself

What is a No-Income Investor Loan?

Find the Best Mortgage Deals for You

Why Do No-Income Investor Loans Exist?

How Do No-Income Investor Loans Work?