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.

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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.


• 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:

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!

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Eligibility Requirements for NO-DOC Mortgage Loans

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.

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

How can I get a NO-DOC loan?

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