Skip to content
SCHEDULE CONSULTATION
img15-650x600

Rental Property Loans With No Personal Income

Qualify using the property's expected cash flow instead of tax returns so you can get approved and close on your Airbnb rental or other investment property.

Ready to get started?

Don't Choose the Wrong Lender


When you’re investing in a rental property, there’s a lot on the line. As a real estate investor, the risk of your mortgage loan being denied is much greater because of how most banks qualify your income. If your loan is denied, you could:

❌ Miss your closing date
❌ Lose out on your investment property
❌ Forfeit your earnest money deposit
❌ Waste your time and money


You need a mortgage lender that understands rental property investors. LoanBud is dedicated to helping people just like you get approved. Investors who want to avoid wasting time and money working with the wrong lender.

Why LoanBud?


We host a variety of products that can help suit your individual needs. Some of the benefits are:
tax1
NO TAX RETURNS REQUIRED
Qualify based on the property's expected rental income instead of using your tax returns or personal income.
output-onlinepngtools-(16)
LOW DOWN PAYMENTS
Preserve liquidity with as little as 20% down payment required for a rental property or Airbnb home.
output-onlinepngtools-(8)
MORE CASH OUT
Maximize the amount of equity you can access with a cash-out refinance up to 80% of your investment property's appraised value.
output-onlinepngtools-(19)
UNLIMITED PROPERTIES
Loanbud does not limit the number of mortgages you can have for investment properties.
img32
FIRST TIME BUYERS
You can buy your first Airbnb rental or other investment property with this program, and gifts can be used for down payment funds.
output-onlinepngtools-(17)
LARGER LOAN AMOUNTS
Jumbo loans up to $5 million for the purchase of larger investment rental properties.

Hear From Our Clients:

“I was worried about getting my loan closed because my prior lender dropped the ball two weeks before closing, causing me to lose the house. In addition to providing me with amazing customer service, William Bennet and his team were able to get me approved and purchase our dream home. I highly recommend William Bennett and no one else but his team; they are beyond the best!”

Brandy and Brian Drey

Self-Employed Borrower
"I was concerned that I would not find any reasonable options catering to my self-employed situation. I was able to get approved and close on my home because Doug Adler thoroughly guided me through all options and found one that best suited my needs. I would absolutely recommend Doug Adler and his team!"

Brian Ansara

Self-Employed Borrower
"I was newly self-employed with little income to show. I couldn’t qualify with W-2s. Sophia Curiale was able to help me secure a mortgage without any income documents. I would recommend Sophia and her team’s services to anyone! "

Peter Gitlin

Self-Employed Borrower
"I was concerned about getting a mortgage commitment letter in time, and I heard 60 days from bankers and my neighbors. After quickly getting my commitment letter and finding the right product that fit me and my source of income, William Bennett left me with no doubt that he was going to get it done. It was a synergistic recipe for success for us, and we’d recommend him and his team to anyone without a shadow of a doubt!"

Charles A.

Self-Employed Borrower

Getting a Loan with LoanBud
Is as Easy as 1, 2, 3 ...

schedule-consultation-blue

Schedule a Consultation

Speak with one of our experienced loan officers who will understand your goals and help create a plan.
option-blue

Know Your Options

Discover what options are available to you and have confidence knowing your income has been reviewed up front.
closed-on-time-blue

Close Your Loan

Relax as we guide you through a stress-free loan process so you can close on time.

FAQs

What are the rental property loan requirements?
Qualifications to get approved for a rental property loan include:
  • FICO score of 620 or higher
  • Having a down payment of at least 20%, which can be in the form of a gift
  • Market rent of the property should be greater than or equal to the new mortgage payment
Is it difficult to get approved for a real estate investment loan?
Not at all! Since our investment property loans do not require personal income (or tax returns), the approval process is much easier.

Finding a lender like LoanBud that offers investor-focused lending programs will help you secure an investment property loan quicker and with less restrictive terms, such as:


  • Not requiring tax returns or personal income required
  • Providing a loan to value (LTV) as high as 80% (20% downpayment)
  • Offering larger loan sizes up to $5,000,000
  • Permitting the use of gifts for the down payment or closing costs
  • Allowing first-time home-buyers
What is your interest rate?
Typically, investment property loans typically carry interest rates that are 0.5% to 1.50% higher than conventional home loans for primary residences. However, the final interest rate on an investment loan will depend on a number of factors such as your FICO score, down payment percentage, and whether your income is qualified using tax returns or solely based on the property.

At LoanBud we offer flexible guidelines and terms.

Schedule a consultation today to learn about our loans for real estate investors
What is the down payment on an investment property?
The minimum down payment for an investment property is typically 20% for loan amounts up to $2.5 million. For larger loan amounts, higher down payment amounts are required.
Can I get a mortgage for an Airbnb rental?
Yes, our mortgages can be used to purchase properties that will be rented out via Airbnb or other short term rental options. Unlike most banks, we can get you qualified solely based on the potential Airbnb income and without tax returns.

The minimum down payment for an Airbnb mortgage is 20% and the expected income generated from the property should be enough to cover the new mortgage payments.

Schedule a consultation today to learn about our loans for Airbnb rental properties.
What is the maximum cash out on a jumbo refinance?
We believe the equity in your home belongs to you, and that limiting the amount of cash back one can receive from a refinance is just wrong. Unlike other lenders, at LoanBud we do not limit the total amount of cash back you can receive.

More Ways to Qualify for a Rental Property Loan


At LoanBud, we understand that many people would like to build wealth through real estate investments such as Airbnb rental properties. In order to do that, you need a mortgage. The problem is, that most real estate investors have a tough time getting approved for a mortgage because of their tax returns, which makes you feel frustrated and defeated. That’s why we allow real estate investors to qualify using a property’s rental income instead of using tax returns or personal income.

With our unique programs you can:

✔️ Preserve liquidity with lower down payments
✔️ Qualify based on rental income of the property
✔️ Use up to 100% gifts for down payments
✔️ Obtain larger loan sizes, up to $5 Million
✔️ Have an unlimited number of mortgages
✔️ Experience more flexible credit guidelines

Here’s how it works:
1) Schedule a Consultation
2) Know Your Options
3) Close Your Loan

Request a free consultation today so you can stop worrying about getting approved for a mortgage and start building your real estate empire.

img14-550x355 (1)

SELF-EMPLOYED LOANS

Qualify using banks statements or 1099's with or without tax returns.

img13-550x355 (1)

5% DOWN JUMBO LOANS

Mortgages for high value homes with down payments as low as 5%.

Want To Discover More Loan Programs?

home-img7-1
Contact Us

(484) LOAN-BUD
777 Brickell Ave Suite 500
Miami FL, 33131

SUBSCRIBE TO NEWSLETTER

LoanBud is a Division of BayFirst National Bank, N.A., Member FDIC, Equal Housing Lender NMLS ID 806183 Copyright © 2022. All rights reserved.
*Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Privacy Policy