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Loan Programs | NO-DOC (non-documented) Mortgage Loans

NO-DOC Mortgage Loans: Get a Home Loan Without Documenting Your Income

NO-DOC loans, also known as "non-documented" loans, are a type of mortgage loan where the borrower does not have to provide extensive documentation to verify their income. NO-DOC mortgage loans are a good option for self-employed borrowers or those with non-traditional income sources who may have difficulty qualifying for a traditional mortgage loan.


NO-DOC loans were initially designed for self-employed individuals or business owners who are unable to provide traditional documentation such as pay stubs or W-2 forms to prove their income. The reason being that these individuals' income may vary from month to month or year to year, making it difficult to calculate their average income. 


With a NO-DOC loan, borrowers do not have to go through the extensive process of verifying their income, which can include providing multiple years of tax returns, bank statements, and other financial documentation. Instead, NO-DOC loans allow borrowers to self-report their income, which can be a more straightforward and less time-consuming process. NO-DOC loans also tend to have higher interest rates and may require a larger down payment to compensate for the increased risk to the lender. However, for borrowers who need financing quickly or have unique income situations, NO-DOC loans can be an attractive option.

Understanding the Loan Terms for NO-DOC Mortgages

Kings of Capital offers an alternative capital source for real estate investors looking to acquire financing for an investment property. In addition, a NO-DOC (non-documented) mortgage loan program is an advantageous option for self-employed borrowers or entrepreneurs who have more difficulty receiving financing from a traditional lender.

We know that locating a trusted local NO-DOC mortgage lender that understands your market is significant; our team of experienced loan officers is here to help you achieve your real estate investment goals expeditiously!


Apply Now! We provide various private money loan programs, including Hard Money, Fix and Flip, Multifamily Bridge, Soft Money, and Rental Loans.


Contact us today to learn more about Kings of Capital, and a member of our loan officer team will get back to you shortly.


  • Blanket Loan Options Available

  • Single-family, condos, townhomes, multi-family, Commercial

  • $75K – $5M

  • Up to 80% LTV

  • 30-Year Fixed-Rate Loans

  • 5/1, 7/1, 10/1 ARM Loans

  • No W-2s required

  • Rates 4.99% - 9.9%*

  • Purchase, Refinance, or Cash Out

Benefits of NO-DOC Mortgage Loans for Real Estate Investors

Overall, NO-DOC mortgage loans can provide real estate investors greater flexibility, efficiency, and access to capital, making them a favorable option for financing their investments. However, it is essential to carefully consider the terms and conditions of any loan before committing, as NO-DOC loans may have higher interest rates and fees than traditional loans.

Real Estate Investors favor NO-DOC Mortgage Loans for several reasons:

  • Speed and Efficiency: NO-DOC loans are often faster and more efficient than traditional loans, as they typically require less documentation and can be approved more quickly.

  • Flexibility: NO-DOC loans are more flexible than traditional loans, as they do not require borrowers to provide documentation of their income or employment history. This can significantly benefit self-employed individuals and those with non-traditional income sources.

  • Less Stringent Qualification Requirements: NO-DOC loans typically have less stringent qualification requirements, making them more accessible to borrowers who may not meet the criteria for traditional loans.

  • Asset-Based Lending: Some NO-DOC loans are based on the value of the borrower's assets rather than their income or credit score. This can be particularly beneficial for real estate investors who have substantial assets but may not have a steady income stream.

  • Loan Purpose: NO-DOC loans are often used for short-term or bridge financing, making them a popular option for real estate investors flipping or rehabilitating properties.

  • Increased Capital: By refinancing a property, real estate investors can access the equity in the property and use it as a down payment on the next investment. This allows them to leverage their capital and increase their returns.

Kings Of Capital is a Nationwide Direct Private Money Lender offering short-term unsecured loans to real estate investors nationally for investment properties. Get a private loan for your investment property purchase, refinance, equity cash out, rehab, or new construction.

Become one of the 10,000+ investors who have spoken to us about the benefits of NO-DOC Mortgage loans!

Ready to get started with a private lending specialist?

Get ahead of the competition in the real estate market. It’s Fast, Easy, and Just Takes Minutes.


Speak to an Investment Property expert today by calling 267-630-2875

Get a Free. No Obligation. Instant Rate Quote Today!

We Lend Nationwide: Our Direct Lending Services for NO-DOC Loans

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Eligibility Requirements for NO-DOC Mortgage Loans

To be eligible for a NO-DOC mortgage loan, borrowers typically need a credit score of at least 620, although some lenders may require higher scores. In addition, borrowers are generally required to make a larger down payment than they would with a traditional mortgage loan. This down payment can range from 20% to 40% of the property's value.


Lenders may consider other factors when determining eligibility for a NO-DOC loan, including the borrower's income source and history, employment status, and overall financial stability. While the documentation requirements for NO-DOC loans may be less strict, lenders will still want to ensure borrowers can repay the loan.


Therefore, it is important for borrowers to have a solid plan for repaying the loan and to be able to demonstrate their ability to make timely payments.

Step-by-Step Guide to Applying for a NO-DOC Loan

Applying for a NO-DOC loan program can be a great way for real estate investors to secure the financing they need to purchase their dream investment properties. 


Here is a step-by-step guide to help you navigate the application process and get the funding you need.

  • Contact Kings of Capital: The first step to apply for a NO-DOC loan is to get in touch with Kings of Capital by phone, email, or through our online application form.

  • Submit Your Application: Our loan officers will work with you to collect the necessary documentation and information needed to submit your loan application.


  • Underwriting Process: Once your application is submitted, our team will conduct a thorough underwriting process to determine if you meet our eligibility requirements and to assess the risk of the loan.


  • Closing and Funding: If your loan is approved, we will work with you to finalize the details of your loan, including the terms and conditions, and provide funding for your investment property purchase.


Who can apply for NO-DOC loans?


NO-DOC loans are available for real estate investors who are self-employed or have non-traditional income sources that make it difficult to qualify for traditional mortgage loans.


Borrowers who need to act quickly and do not have the time or resources to provide extensive documentation to verify their income can benefit from NO-DOC loan programs.


It is important to note that eligibility requirements for these loans may vary among lenders but generally require a minimum FICO score and other factors that lenders may consider. To determine if you qualify for a NO-DOC loan, contact a trusted private money lender like Kings of Capital to discuss your options.

Get Started Today: Apply for a NO-DOC Mortgage Loan with Kings of Capital

Kings of Capital is a reputable private money lender that offers NO-DOC (non-documented) mortgage loans to real estate investors across the United States. In addition, we specialize in providing alternative financing options for those who have difficulty qualifying for traditional mortgages due to non-traditional income sources. 


Our NO-DOC loan programs offer flexible terms and quick funding to finance various investment properties, including commercial, multi-family, and mixed-use properties. In addition, with our expertise and commitment to customer service, we can help you achieve your real estate investment goals.


How can I get a NO-DOC loan? 


NO-DOC (non-documented) loan programs are only accessible for real estate investors through boutique private lenders, with some lenders requiring a minimum FICO score. However, the application process for these loans is streamlined and quick, much like other private money loans.


Contact our lending experts at Kings of Capital to receive a rate quote and learn more about the process.

Ready to Take the Next Step? Contact Us Today.

Stay ahead of the competition in the real estate market with Kings of Capital. Our private money lending solutions make it fast and easy to secure financing for your next investment property.


To speak with a NO-DOC (non-documented) loan expert and receive a free, no-obligation rate quote, call us at 267-630-2875 today.

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