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The Benefits of NO-DOC Loans for Real Estate Investors

Updated: Feb 9

If the majority of your income comes from real estate investments or you’re looking for more privacy while applying for investment loans, a NO-DOC loan might be the loan for you! NO-DOC loans are usually used by real estate investors as an alternative to a traditional mortgage as it requires less documentation from the borrower. That’s right! No pay stubs, employment letters, bank statements, and tax returns.

What is a NO-DOC Mortgage Loan?

A NO-DOC loan is a type of loan which requires no proof of income or tax records from the borrowers. Instead, this loan is based on credit history, real estate investment experience, and liquid assets, which are then processed through underwriting.

The relationship between the borrower and the private money lender, is based on the loan agreement that the borrower can afford loan payments and will make them. A NO-DOC loan is perfect for self-employed individuals or individuals without a regular income source.

Top Benefits of NO-DOC Loans for Real Estate Investors

While a NO-DOC loan can be risky due to the lack of regulation and higher rates, the flexibility and quick approval makes them an ideal option for many real estate investors. Before utilizing a NO-DOC loan, it always recommended to speak to a private money lender with non-qualified mortgage experience to discover which loan program is right for your loan scenario.

Why is a NO-DOC Loan a Great Option for Real Estate Investors?

If you are a real estate investor, then a NO-DOC is ideally suited for you as it requires no proof of income or tax documentation. The approval process is also rapid, making it well suited to the quick turn-around associated with real estate investing. It can be used for a myriad of property types, including, Single-family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, and Warehouses. The loans can be up to 85% of value, with rates starting at 4.375%, and range from $75K – $5M.

There are Fixed rate and Adjustable-rate options. Foreign Nationals are also eligible, making it ideal for real estate investors based outside of the United States as well.

How Do I Apply for a NO-DOC Loan?

Applying for a NO-DOC loan is a quick and simple process! Unlike a traditional mortgage, extensive documentation and little underwriting is required, making this a fast process ideal for investors with busy schedules.

As this type of loan program is considered a NON-QM (non-qualified mortgage), it is only available with direct private money & NON-QM lenders.

Contact Stratton Equities to apply today for loan approval! One of our top loan officers will be in contact with you within 24 hours! Find our more at

Benefits of NO-DOC Loans for Real Estate Investors


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