No Income Verification Residential Fix & Flip Loans for Investment Properties
A No Income Verification or “No Doc” fix-and-flip residential investment property loan is a short-term loan designed for real estate investors who purchase homes that need repairs or renovations, improve them, and then quickly sell them for a profit. These loans typically cover both the purchase price and the cost of the renovations, and they’re often easier and faster to obtain than traditional mortgages.
Key Highlights for this loan
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Best For:
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First time investors
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Experienced flippers and developers
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Investors needing fast access to capital
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Borrowers with non traditional or complex income
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Experience Requirements:
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No prior experience required
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First time investors eligible
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Strong project viability and exit strategy considered
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Coaching friendly structure for new investors
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Credit Score Requirements:
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Typically 620+ minimum guideline
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Credit depth and recent payment history reviewed
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Lower leverage options may allow flexibility
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Loan Amounts:
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$150,000+
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Scalable for multiple projects
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Suitable for single family, small multifamily
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Flexible structures for repeat investors with experience
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Loan to Cost (LTC):
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Up to 95 percent on fix and flip projects
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Lower leverage may improve pricing and terms
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Term Structure
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12 to 18 month standard terms
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Extension options available
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Interest only payment structure
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No prepayment penalties
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Eligible Uses
Fix and flip acquisitions and renovations
HOW IT WORKS
Fast & Easy Application Process
Complete a short 1-minute form to tell us more about your loan request and situation.
Expert Consultation
You’ll be assigned to a OCL Loan expert who will guide you through the process.
Select A Loan
Your loan expert will present you with the best available options for your loan.
