At FundNow Capital, we understand that traditional income documentation doesn't always reflect an investor's true financial strength. Our No Doc Loans let you qualify based on what matters: property performance and assets.
Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.
No banks. No income verification. No delays. Just fast, flexible financing built for investors who think differently about documentation.
We work with a nationwide network of private lenders who understand that real estate investors often structure their income to minimize taxes — and that shouldn't prevent you from getting funded.
We handle the complexity. You get the capital.
| Program Feature | Details |
|---|---|
| Loan Amounts | $100,000 – $5,000,000+ |
| LTV | Up to 80% purchase, 75% cash-out |
| Terms | 30-year fixed, ARM, or interest-only |
| Qualification | No income verification required |
| Credit Score | 620+ (flexible) |
| Entity Types | Individual, LLC, Trust |
| Property Types | 1–8 unit residential, short-term rentals, small multi-family |
| Closing Time | 13–21 days typical |
| Documentation | Bank statements or asset-based only |
Qualification Without Traditional Income Docs
We verify your ability to repay through property cash flow or asset reserves — not paystubs.
12-24 months of business or personal bank statements showing consistent deposits.
Qualify using liquid assets, investment accounts, or equity in other properties.
If the property's rent covers the mortgage payment (DSCR ≥ 1.0), you're approved.
No tax returns. No employment verification. Just smart lending.
Quick 3-minute application — no tax returns required.
We connect you with the best no-doc lenders for your situation.
Choose your preferred rate and structure.
Close in as little as 13 days.
If you have the assets or cash flow, we'll make it work.
We proudly fund real-estate investors in 39 U.S. states:
Tennessee, Florida, Texas, Ohio, North Carolina, Georgia, Alabama, South Carolina, Pennsylvania, New York, Michigan, Kentucky, Indiana, Illinois, Virginia, Maryland, Colorado, Oklahoma, Kansas, Missouri, Wisconsin, Iowa, Arkansas, Mississippi, Louisiana, Maine, New Hampshire, Massachusetts, Connecticut, New Jersey, Delaware, West Virginia, Minnesota, Washington, Montana, Wyoming, New Mexico, Alaska, Hawaii
We do not lend in:
North Dakota, South Dakota, Nebraska, Idaho, Utah, Arizona, Nevada, California, Oregon, Vermont, Washington D.C.
No runaround. No outdated income requirements. Just clarity, speed, and capital — delivered the way modern investors work.
You'll have a dedicated FundNow Advisor guiding you from application to closing table.
Based on 127 verified reviews
"Write-offs destroyed my tax returns but my bank statements tell the real story. No-doc loan closed in 16 days—no questions about my 1099 income."
"Minimal reported income but strong assets. FundNow qualified us based on what we have, not what we report. Finally, common-sense lending."
"No U.S. tax history, no problem. Bought 2 rental properties using bank statements from my home country. FundNow gets international investors."
"Run my contracting business and flip properties—complex tax situation. No-doc financing let me close without explaining every Schedule C deduction."
"Own 14 rentals across 3 LLCs. Banks wanted personal tax returns and got confused. FundNow used DSCR and bank statements—closed all 3 refis in 30 days."
Apply now and get a decision within 24-48 hours.
Submit your property details and receive financing options within 24-48 hours.
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Your assets and property performance speak for themselves. Let FundNow Capital power your next acquisition or refinance with our nationwide No Doc programs.