Real estate investors and self-employed borrowers don't fit in a W-2 box. Qualify using rental income, bank deposits, or your assets. No tax returns required.
Qualify on the rental property's income. No W-2s, no tax returns, no DTI calculation.
AirDNA projections accepted. Finance the STR your bank won't touch.
12–24 months of deposits instead of tax returns. Built for business owners.
Refinance out of hard money once you're rented up. Up to 75% of ARV, no income docs.
Beyond the core four, a full Non-QM lending suite for every borrower type the conventional system wasn't built for.
Skip the rent vs. payment test. For high-appreciation markets where rent doesn't cover the carry.
No U.S. credit, SSN, or tax returns. Remote closings available. Tier 1, 2, and 3 countries accepted.
Finance U.S. real estate without a Social Security number. Profile A & B pricing included.
Qualify using liquid assets. Portfolio balance ÷ loan term = qualifying monthly income.
CPA-prepared profit & loss statement in place of tax returns. 12 or 24 months accepted.
Qualify on 12–24 months of 1099s. Built for independent contractors and gig workers.
10-year IO period cuts your payment 25–35% and boosts your DSCR on tight deals.
5+ properties on one loan. Blanket DSCR with release clauses for individual property sales.
The conventional mortgage system was built for W-2 employees. If that's not you — you're in the right place.
You buy rentals, run BRRRR strategies, and operate short-term rentals. Your wealth is in properties and equity — not a paycheck. DSCR loans were built for you.
You run a successful business but your write-offs make your tax return look bad. Bank statement and P&L loans qualify you on what actually flows through your accounts.
No chasing W-2s or tax transcripts. When docs aren't the obstacle, deals close faster.
No credit pull. Tell me about the deal and I'll give you a same-day eligibility answer.
I calculate your DSCR or qualifying income and give you an exact borrowing figure before you apply.
Choose your program, lock pricing, submit a streamlined doc package. No income verification.
Appraisal, underwriting, CTC. We close when we say we will — no surprises.
Submit property info. DSCR calculated live.
~2 minutesLock rate. Submit property + entity docs.
No income verificationAppraisal and underwriting run in parallel.
No W-2 reviewCTC issued. Docs to title. Wire and record.
Funded ✓Once you start closing deals through NoDocNation, verified client testimonials will appear here. No made-up quotes — only real borrower experiences.
💡 Ask past clients from your current work to leave a Google review so we have real ones ready at launch.Most mortgage lenders still underwrite like it's 2003 — W-2s, two years of tax returns, and a debt-to-income ratio that punishes anyone who isn't drawing a salary. For real estate investors and business owners, that model has never made sense.
I'm Ivan Grigorian, a licensed loan officer specializing in DSCR and Non-QM financing. I work exclusively with investors and self-employed borrowers who generate real wealth but can't easily prove it the way a bank wants. Whether you're acquiring your first investment property, scaling a portfolio, or pulling equity out of a BRRRR — I'll structure the deal right from day one.
You won't get handed off to a processor. You work with me, start to finish.
DSCR stands for Debt Service Coverage Ratio — monthly gross rent divided by total monthly housing payment (PITIA). If that ratio is 1.0 or above, you qualify. No W-2s, no tax returns, no personal DTI needed.
Yes. DSCR loans are asset-based — underwriters look at the property's income, not yours. Bank statement loans use deposits. Asset depletion uses your balance sheet. None require tax returns.
Most DSCR programs start at 620 FICO. Pricing improves significantly at 660, 680, 720, and 740+. I'll tell you exactly where you land on the first call.
Yes — one of the biggest advantages over conventional financing. DSCR and Non-QM loans close in LLCs, S-Corps, and trusts at the same rate as personal-name loans.
Typically 20–25% on a DSCR purchase. Cash-out refi caps at 75% LTV. Bank statement loans on primary residences can go to 80%. Exact figures depend on FICO, DSCR ratio, and property type.
Average is 21 days from application to funding. Without income documentation review, underwriting moves significantly faster than conventional loans which take 30–45 days.
Most investors get an eligibility answer the same day. Tell me about the deal and I'll tell you what's possible.
Takes about 2 minutes. Ivan will reach out same day.
Ivan Grigorian · NMLS #1493724 · Licensed with UTM Financial, LLC · NMLS #2591548
No credit pull until you authorize it. No spam, ever.