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No-Ratio Loan Success Stories

No income verification. No employment verification. No DTI calculation. These transactions illustrate how asset strength and credit profile drove approval where traditional underwriting would have focused on income documentation.

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Total Loan Amount:

$8.3M+

Loan Type:

No Ratio

No Ratio Loan: $1,425,000

  • Property Details

    Single-family residence in Sarasota, Florida

  • Transaction Details

    Our client was under contract to purchase the property for $1.9 million.

  • Challenges

    A self-employed multifamily developer, his debt-to-income ratio (DTI) was too high based on the low adjusted gross income (AGI) on his tax returns. He was denied by a major online lender.

  • Solution

    Because our client could not document sufficient income, he was an ideal candidate for a no-ratio jumbo loan. We closed the deal on time by transferring the existing appraisal from the previous lender.

  • Wow Factor

    He obtained a jumbo loan without having to provide a single tax return or any other income documentation.

No Income Verification Loan Florida
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No Ratio Loan: $1,320,000

No Ratio Cashout Refinance - Key West Florida
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  • Property Details

    Historic home in Old Town Key West, Florida

  • Transaction Details

    Our client, a married couple, needed a rate-and-term refinance to pay off their construction loan.

  • Challenges

    Construction was delayed and by the time it was complete, one of the spouses had been put on furlough by his employer. They needed to refinance out of the expensive construction loan, but they didn't qualify for traditional financing.

  • Solution

    We connected our client with a non-QM lender specializing in no-ratio mortgage loans.

  • Wow Factor

    Despite one spouse being on furlough and the other spouse unemployed, they still qualified for a jumbo refinance due to strong credit scores and adequate post-closing reserves.

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No Ratio Loan: $1,280,000

  • Property Details

    Single-family residence in Lakewood Ranch, Florida

  • Transaction Details

    Our client was under contract to purchase the property for $2.4 million.

  • Challenges

    As a seasoned CPA with decades of experience implementing tax-efficient strategies for his clients, his own personal and business tax returns reflected the same disciplined approach. However, the low income on his returns made approval under traditional mortgage guidelines not feasible.

  • Solution

    Because our client could not document sufficient income, he was the perfect candidate for a no-ratio jumbo loan, a special kind of non-QM loan that eliminates income and verification entirely.

  • Wow Factor

    Our client qualified for a jumbo loan with no calculation of DTI required.

Lakewood Ranch - No Income Verification Mortgage
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No Ratio Loan: $1,104,000

No Ratio Miami Refinance
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  • Property Details

    Single-family residence in Miami, Florida

  • Transaction Details

    Our client, a seasoned real estate investor, needed a cash-out refinance of her primary residence to pay off a bridge loan.

  • Challenges

    Her income came from her rental properties and was structured across multiple entities for tax optimization. In other words, her tax returns showed low income by design.

  • Solution

    We qualified her under the no-ratio loan program, circumventing the need to provide any income or employment documentation.

  • Wow Factor

    She netted about $350,000 in cashout proceeds after paying off the bridge loan. All without providing a single tax return.

No Ratio Loan: $525,850

  • Property Details

    Single-family residence in Lake Worth Beach, Florida

  • Transaction Details

    Our client, an attorney, needed a cash-out refinance for his primary residence.

  • Challenges

    He recently left his position at a major law firm to start his own practice. With only a few months of self-employment income, he was denied by traditional lenders.

  • Solution

    He was an ideal candidate for the no-ratio program. Before closing, we also helped him improve his credit score to qualify for a better interest rate.

  • Wow Factor

    Despite recently switching from a W-2 employee to a self-employed business owner, he qualified for a cashout refinance.

Mortgage - Lake Worth Beach
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