Do No-Doc loans really require no income verification?

Yes. These programs qualify based on property value and borrower experience rather than tax returns or pay stubs.

Can I use a No-Doc loan for a flip or rental?

Yes. They’re ideal for both fix-and-flip investors and buy-and-hold rental strategies.

What credit score is required?

Typically, 620+ is preferred, but flexible exceptions may apply.

How fast can I close a No-Doc loan?

Most close in as little as 2–3 weeks once documents are submitted.

Are foreign nationals eligible?

Yes, foreign nationals and ITIN borrowers can qualify under this program.

No-Doc / No-Income Verification Loans

Fast, Flexible Financing with No Income Documentation Required

Creare Capital Lending’s No-Doc / No-Income Verification Loans are built for real estate investors and self-employed borrowers who want to qualify without tax returns, W-2s, or employment verification. These programs are ideal for borrowers with strong assets or property cash flow who prefer to skip traditional underwriting.

Our No-Doc loans are asset-based and designed for simplicity—approvals focus on the property’s value and your investment experience, not your personal income paperwork. Close faster, invest smarter, and access capital when you need it most.

Program Highlights

Loan Amounts: $100K – $5M

Up to 80% LTV

Terms: 12–30 Months

Interest-Only Options Available

No Tax Returns or Pay Stubs Required

For Investment Properties Only

Foreign Nationals Eligible

Fast Closings (2–3 Weeks Typical)

Why Investors Choose Creare Capital

Streamlined approval based on property performance
Flexible terms for both short-term and long-term projects
Ideal for real estate entrepreneurs and self-employed borrowers
Dedicated lending team specializing in private and non-QM programs

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Frequently Asked Questions (FAQ)

Do No-Doc loans really require no income verification?
Yes. These programs qualify based on property value and borrower experience rather than tax returns or pay stubs.
Can I use a No-Doc loan for a flip or rental?
Yes. They’re ideal for both fix-and-flip investors and buy-and-hold rental strategies.
What credit score is required?
Typically, 620+ is preferred, but flexible exceptions may apply.
How fast can I close a No-Doc loan?
Most close in as little as 2–3 weeks once documents are submitted.
Are foreign nationals eligible?
Yes, foreign nationals and ITIN borrowers can qualify under this program.