No-Income Loans
No Income Stated. No Income Verified. Just Assets & Credit.
No-income loans (also called NINA — No Income, No Asset verification, or No-Doc loans) allow qualified borrowers to obtain financing without providing any income documentation whatsoever. Approval is based on credit score, down payment, and the property itself.
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Why Choose This Program
Zero Income Docs
No tax returns, no bank statements, no W-2s, no pay stubs — nothing income-related.
Investment Properties
Primarily for investment properties where the rental income supports the loan.
Credit-Driven
Strong credit score (700+) is the primary qualification factor alongside down payment.
Privacy Focused
Ideal for borrowers who value financial privacy or have complex income structures.
Requirements
- Minimum 700 credit score (720+ preferred)
- Minimum 25% down payment (75% LTV max)
- Investment property or second home (not primary residence)
- 12 months reserves required
- Property must have strong rental market
- No employment verification
- No income documentation of any kind
- No asset verification (NINA programs)
Key Benefits
- Absolutely no income documentation required
- No employment verification
- Maximum financial privacy
- Ideal for investors with complex income structures
- Loan amounts up to $3 million
- Fast closing — minimal documentation
- LLC / entity vesting allowed
- Foreign nationals may qualify
- Multiple investment properties OK
Who This Program Helps
The Privacy-Conscious Investor
A high-profile business owner in Beverly Hills wants to purchase investment properties without disclosing his income or business finances to a lender. He has excellent credit and significant liquid assets.
NINA loan with 30% down. 740 credit score. Investment condo in Santa Monica. No income or asset documentation provided. Closed in 24 days.
The Foreign National Investor
An international investor wants to purchase a rental property in Los Angeles. He has no US income history, no US tax returns, and no US employment — but has strong international assets.
No-income foreign national program. 35% down payment. 720 credit score. Approved based on credit and down payment alone.
The Complex Income Earner
A hedge fund manager in San Francisco has income from carried interest, foreign investments, and trust distributions that are nearly impossible to document in a conventional way.
No-income investment property loan. 30% down. 760 credit score. $2.1M investment property. No documentation of income sources required.
Borrowers We've Helped
"I've been self-employed for 12 years and every bank turned me down because my tax returns show minimal income. NicheLending got me approved using my bank statements in 3 weeks. Closed on my dream home in Pasadena."
"We used a DSCR loan to add our 4th rental property to our portfolio. No tax returns, no income verification — just the property's rental income. Closed in 21 days. The team was incredibly knowledgeable."
"As a recently retired physician with significant investment assets but no W-2 income, I needed a creative solution. The asset depletion program was perfect. Qualified for a $2.1M home with no income documentation."