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What type of loan are you looking for?

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Mortgage Loan
Personal Loan
Credit Loan
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Our Program Highlights

Perfect for borrowers who want to qualify using their liquid assets instead of traditional income.

  • Loan Amounts: $200K and up with no limit
  • Geography: Nationwide in ALL 50 States
  • Property Types: Residential, Short-Term Rental / Vacation Rental, Mixed Use (commercial/residential, up to 3 commercial units)
  • Occupancy: Long-Term or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs
  • Loan Structures: 30-Year Fixed Rate Mortgage Loans, 5-Year Prepayment Penalties, Partial IO (10-Years) Available, Entities (i.e. LLCs) and partners welcomed
  • LTVs: Up to 80% (Acquisitions/Rate-Term Refi), 75% (Cash-Out)
  • Credit Score: 640+
Start My Approval

Do You Qualify for this Loan?

Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.

Credit

You’ll need a 640 score or better to qualify, with flexibility for strong financials.

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Down Payments

Down payments start at 20%, depending on credit and loan amount.

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Closing Costs

You’ll need around 1-3% of the amount you’re financing for closing costs.

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Debt

We qualify you based on your liquid assets, not your income or debt-to-income ratio.

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Frequently Asked
Questions

Answers to questions about this loan we heard
from people like you during research.

What is an Asset-Based Loan?

An asset-based mortgage is a loan that is secured by the value of an asset, such as a property. The advantage of this type of loan is that it is often easier to get approved for than a traditional mortgage, since the lender is taking less risk by securing the loan against an asset.

What do I need preapproval for a traditional asset-based loan?

For a traditional asset-based loan, here is what you will need to provide:

  • 2 years W2
  • 2 years personal & 2 business tax returns (If applicable) 
  • 30 days pay stubs
  • 2 months personal asset statements
  • Drivers license
What do I need preapproval for a self-employed asset-based loan?

For a self-employed asset-based loan, here is what you will need to provide:

  • Minimum of 12 months business or personal bank statements
  • Minimum of 1 year of Profit and Loss Statement Balance
  • Minimum of 1 year 1099

Also required:

  • 2 months personal asset statements
  • Drivers license
  • CPA letter to attest to your ownership
I'm a first-time investor and I need experience to obtain a loan for an investment property. Can I qualify?

Yes, with no restrictions! We offer all of our programs to first-time investors and love to help people build their portfolio throughout their investing journey.

What types of assets can be used to qualify for an asset-based loan?

Lenders typically allow cash, stocks, bonds, retirement accounts, and other liquid assets to be used for qualification. The amount of assets needed depends on the loan size and lender requirements.

Available states

All 50 States, Covered.

Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.

See Our Recent Fundings

We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.

No Income Verification
Kirkland, WA
Loan Amount:
$792,000
Purpose:
Purchase
Purchase Price:
$990,000
Down Payment:
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Bank Statement
Key West, FL
Loan Amount:
$3,500,000
Purpose:
Purchase
Purchase Price:
$5,000,000
Down Payment:
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Bank Statement
Brigantine, NJ
Loan Amount:
$2,135,000
Purpose:
Purchase
Purchase Price:
$3,050,000
Down Payment:
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Ready to get started?

Talk to a real person from our team right now.