No Ratio Loan


20% no other questions asked. Perfect for short term rentals like Airbnb. Also, great alternative for short term financing and fast closing.


Minimum Down Payment
25% of sales price
Minimum Credit Score
Cash Flow Ratio
None Required
Eligible Property Types
Single family residence, 1-4-unit, PUD’s, townhouse, condo, and non-warrantable condo
Loan Amount
$100,000 to $2,000,000
3-12 Months (based on loan amount and down payment amount)
Occupancy Type
Investment Only
Can be vacant
Appraisal Transfer
Yes we will accept appraisals from another company
Transaction Types Allowed
Purchase, refinance, and cash out
Sourced Funds
1 to 2 months bank statements
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