Insource Funding (NoDocRentalLoan.com) is a direct private lender since 2001 offering investment property loans with no income docs, no DSCR, and no tax returns required. Loan amounts from $150K to $5M. Up to 90% CLTV on purchase. Close in 8–13 days. Serving real estate investors in 45 states nationwide.
We provide investment property loans in 45 states nationwide: Florida, New York, New Jersey, Texas, California, Georgia, Pennsylvania, North Carolina, Colorado, Washington, Virginia, Maryland, Tennessee, Illinois, Ohio, Nevada, Arizona (excluded), Michigan, Missouri, Indiana, Wisconsin, Massachusetts, Connecticut, Oregon, South Carolina, Alabama, Louisiana, Oklahoma, Kentucky, Iowa, Kansas, Arkansas, Mississippi, Utah, Idaho, Nebraska, New Hampshire, Rhode Island, Delaware, Maine, Montana, Wyoming, West Virginia, Hawaii, and Alaska. (Not available in AZ, MN, ND, SD, VT.)
Investment property loans are financing solutions for real estate investors purchasing or refinancing rental properties. As a direct private lender, we offer property-based approvals — no tax returns or income docs required. Perfect for investors building a rental portfolio.
Our rental property loans require no income documentation, no DSCR calculations, and can close in as little as 8–13 days. Traditional lenders demand extensive paperwork and take 30–45+ days to close.
A no-doc loan approves financing based on the property's value and the deal structure — not your personal income, tax returns, or employment. Insource Funding evaluates the asset, not the borrower's W-2 or pay stubs.
Yes. We actively lend in Florida (Miami, Orlando, Tampa, Boca Raton, Palm Beach, Jacksonville), New York (NYC, Long Island, Buffalo), Texas (Houston, Dallas, Austin, San Antonio), New Jersey, Georgia, and 40+ additional states for investment property financing.
DSCR loans (Debt Service Coverage Ratio loans) qualify based on property cash flow rather than personal income. We offer flexible DSCR loans as part of our investor loan programs, plus no-DSCR options for properties that don't meet traditional ratios.
Yes. Cash-out refinance on investment property up to 75% LTV with no income docs required. Perfect for pulling equity from your rental portfolio to fund new acquisitions or renovations.
Yes. We provide commercial property loans and mixed-use property loans up to $5M with the same no-doc process and fast closing timeline as our residential investment property financing.
No minimum credit score requirement. We have financed real estate investor loans with credit scores in the 400s. Your LTV may adjust based on credit, but we don't turn you away for bad credit.
433 Plaza Real, Suite 275, Boca Raton, FL 33432 | (800) 805-3391
NoDocRentalLoan.com is a brand of Insource Funding Corp, a direct private lender since 2001.