No-Doc Loans

Buy or refinance with no tax returns, no W-2s, and no income documentation.

“No-doc” doesn’t mean no questions — it means you skip the part that trips up self-employed borrowers, investors, and retirees: proving personal income through tax returns. Instead, Abo Capital qualifies you on something else you can verify — a property’s cash flow, your liquid assets, or a single form.

No-doc loans terms at a glance

All figures shown are maximums, with exceptions considered case-by-case. Final terms are quoted per deal and depend on your credit, the property, and the program that fits your file.

What “no-doc” really means today

True stated-income lending ended after 2008. What replaced it is better: a set of programs that each remove the income hurdle in a different, fully documented way. Pick the one that matches how you’re actually positioned, and you can close without a single tax return.

Your no-income-verification options

• No-ratio DSCR loans (for investors) — qualify on the property, with no income and no minimum DSCR. Up to 85% of value, loan amounts to $3,000,000+, credit from the low-600s, short-term-rental income eligible, first-time investors accepted.
• Asset depletion (for homeowners) — qualify on liquid assets alone, with no employment or income calculation. Up to ~80% of value, loan amounts to $3,000,000+. Built for retirees and high-net-worth borrowers.
• Bank statement loans (for the self-employed) — 12 or 24 months of deposits in place of tax returns. Up to 90% of value.
• WVOE loans (for W-2 earners) — a single written verification of employment instead of pay stubs and returns.

Every figure above is a program maximum, not a guarantee — your actual terms depend on credit, the property, and which program fits your file. We’ll quote real numbers once we see it.

How it works

• Tell us what you’re buying or refinancing, and what you can document — assets, rents, or deposits.
• We match you to the no-income path with the strongest terms you qualify for.
• You verify on that one thing — not tax returns — and we structure the file around it.
• You get a clear, written approval and close on your timeline.

Not sure which path is yours? Tell us your situation and we’ll point you to the right program — these all sit under our non-QM lending options.

Frequently asked questions

What is a no-doc loan?

A no-doc loan lets you qualify for a mortgage without tax returns, W-2s, or traditional income documentation. Instead of verifying income, these programs qualify you on the property’s cash flow, your liquid assets, or a single employment verification.

Can I get a mortgage with no income verification?

Yes. No-income-verification options include asset-based loans, which qualify you on liquid assets, and no-ratio DSCR loans for investors, which qualify on the property itself. Neither requires you to document personal income.

Do stated income loans still exist?

Not in their pre-2008 form. Today’s programs don’t let you simply state an income — instead, you qualify on something verifiable other than tax returns: assets, rental cash flow, bank deposits, or a written verification of employment.

What is a no-ratio DSCR loan?

A no-ratio DSCR loan is an investor program with no minimum debt-service-coverage ratio and no personal income requirement. You qualify on the property, with financing up to 85% of value and loan amounts to $3,000,000 or more on qualifying files.

Can I get a no-doc loan to buy a rental property?

Yes. No-ratio DSCR loans are built for exactly that — buy or refinance a 1–4 unit rental with no income documentation, short-term-rental income eligible, and first-time investors accepted. Title can be held in an LLC.

No tax returns, no problem. Tell us how you’re positioned and we’ll show you the no-doc path that works.