No Doc Real Estate Financing

Author

Ryan Chen
February 24, 2025

In partnership with

Hi there,

Welcome to Loancater’s weekly newsletter. This is approximately a 4-minute read.

In today's newsletter, we’re going go over what a no doc loan is how long it takes to close and the steps involved.


We are going to go over…

  1. What a no-doc real estate loan

  2. What documents are needed

  3. What’s the timeline is

Schedule a FREE strategy session with us here (link) or apply here (link) for a business loan.

Actionable Tips

You don’t need great income great credit or finalized taxes to get high-quality real estate loans. 

No doc loans are a way for you to buy/refi a bunch of real estate without taxes, good credit, or even citizenship in 30 days or less.


Just keep in mind the LTV % and the cash you need to bring to a close.

That will typically range from 20-50% of the purchase price.

👁 Credit Report Course Here

Check out this free credit repair guide that’s better than most $500 companies (link)

💰 Loancater’s Application

Get the best business loan in the market here (link)

✔ Clients Who Worked With Us In The Past

See previous business owner who were happy to work with Loancater (link)

⭐ Different Type Of Loans

Type of funding product available in the market (link)

What A No Doc Real Estate Loan Is

A no-doc loan essentially means there is no taxes involved. Proof of income is still required through a P&L but you can edit that because it does not to be audited. (Not financial advice). Additionally, because of the light requirement of documents these are usually offered through institutions or private credit with less regulatory oversight and close faster than banks. LTV can go up to 75%.

What Documents Are Needed

Typically in a purchase, the requirement documents the below 

  • VOM Primary 

  • VOM Subject / Purchase agreement 

  • Mortgage Payoff Demands - Client

  • Title/Prelim - Title Company

  • Estimated Closing Statements - Title Company

  • Evidence Of Hazard/Liability Insurance Coverage - Insurance Broker

  • Evidence Of Flood Insurance - Insurance Broker

  • Entity docs

What The Timeline Is

With 30-year fixed mortgages that are under 5M, it typically takes 30M. With a loan size larger than that it depends on your relationship to the institution and how much the final decision maker knows you as it is less programmatic than the sub 5M loans. With bridges through private credit, it can be as quick as 2 weeks.

How I Can Help You

If you like this newsletter and want to work with me, there are a few ways we can do so:

  1. You can apply for a business loan here (link)

  2. You can apply for credit repair by emailing [email protected] “I want credit repair”

  3. You can apply for a free 30-minute strategy session for credit card processing & ACH  here (link)

Or,  you can reply to this email.

I reply to absolutely everyone.

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