No Ratio Loans in Columbus, OH
Qualify for investment property financing without traditional income documentation. Perfect for self-employed investors and business owners with strong assets.
Unlock financing. Skip the income verification.
Our no ratio loans are designed specifically for self-employed individuals and business owners who want to invest in real estate without traditional income documentation requirements.
No income verification
Qualify without traditional pay stubs, W-2s, or tax returns using alternative documentation methods.
Flexible approval process
Get approved in 7-21 days with alternative documentation and asset-based qualification.
High loan amounts
Access up to $2 million or more for your investment properties with competitive terms.
Self-employed friendly
Designed specifically for business owners and self-employed individuals with complex income structures.
Everything you need to know about no ratio loans
What are no ratio loans?
No ratio loans are mortgage products that don't require traditional debt-to-income (DTI) ratio verification. Instead, they use alternative documentation like bank statements, asset verification, or business financials to qualify borrowers.
How do no ratio loans work?
No ratio loans evaluate your creditworthiness based on assets, cash reserves, business revenue, or bank statement analysis rather than traditional income documentation. This makes them ideal for self-employed individuals and business owners.
Use cases for no ratio loans
Perfect for self-employed individuals, business owners, real estate investors, and high-net-worth individuals who have difficulty documenting traditional income but have strong assets or cash flow.
Who should consider a no ratio loan?
How It Works
Our streamlined process makes it easy to get the no ratio financing you need for your investment properties.
Apply Online
Start your no ratio loan application with property details and alternative documentation information. Get pre-qualified in minutes.
Speak with a no ratio expert
Get personalized guidance from our experienced team who specialize in alternative income verification and asset-based lending.
Submit alternative documentation
Provide bank statements, asset verification, business financials, or other alternative documentation for comprehensive review.
Get approved
Receive your no ratio loan approval in 7-21 days and start your investment property acquisition with confidence.
Close your loan
Finalize your no ratio loan and start building your investment portfolio with alternative income qualification.
Your investment potential just got more powerful
No income verification
Qualify without traditional pay stubs or tax returns using alternative documentation methods.
Asset-based qualification
Qualify based on your assets, cash reserves, and business revenue rather than traditional income.
Flexible documentation
Use bank statements, business financials, or asset verification instead of traditional income docs.
💡 Frequently Asked Questions
A no ratio loan is a mortgage product that doesn't require traditional debt-to-income (DTI) ratio verification. Instead of proving your income through pay stubs or tax returns, you can qualify based on alternative documentation like bank statements, asset verification, or business financials.
No ratio loans are ideal for self-employed individuals, business owners, real estate investors, and high-net-worth individuals who have difficulty documenting traditional income but have strong assets, cash flow, or business revenue.
Instead of traditional income documentation, no ratio loans typically require bank statements (12-24 months), asset verification, business financial statements, or proof of cash reserves. Some lenders may also require a higher down payment or credit score.
No ratio loan interest rates are typically higher than traditional mortgages, ranging from 6-12% depending on factors like credit score, down payment, property type, and lender. Rates vary based on the alternative documentation provided and overall risk assessment.
No ratio loans typically require a minimum down payment of 20-30%, though some lenders may require up to 40% depending on the property type, location, and borrower profile. Higher down payments can help offset the lack of traditional income verification.
Yes, no ratio loans are commonly used for investment properties, especially for real estate investors who have multiple properties and complex income structures. They're particularly popular for portfolio building and property acquisition strategies.
No ratio loan approval typically takes 7-21 days, depending on the lender and complexity of the alternative documentation. The process may be longer than traditional loans due to the additional verification of assets and alternative income sources.
Ready to invest without income verification?
Get a custom quote today — see how much you can borrow with alternative documentation.