What is No Ratio Investor?

The No Ratio Investor Loan program is designed with the savvy investor in mind. Catering specifically to non-owner-occupied business purposes, this program allows your borrowers to leverage up to 65% LTV, with loan amounts that range from $75K to a hefty $3M. What sets it apart? There’s no need for income ratio verifications. The focus here is on credit, with a minimum requirement of 700, taking into account the lowest middle score from all borrowers. With a cushion of 3+ years for those recovering from a past credit event and a stellar record of timely mortgage payments, this program offers both flexibility and trust.

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  • Up to 65% Max LTV
  • Loan Amounts: $75K–$3M
  • Purchase, Rate and Term, Cash Out
  • NOO Business Purpose
  • Min FICO Score of 700, Qualifying off Lowest Middle Score of All Borrowers
  • Qualification Based on FICO and LTV Max 3 Years of Seasoning From a Recent Credit Event
  • 0x30x12 Late
  • LLC or Corporate Title Vesting at Closing Eligible With Natural Person
  • U.S. Persons


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This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.