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Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
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A No-Ratio loan takes non-QM to its logical end: no income documentation and no debt-to-income calculation at all. Approval is based on credit history, liquid assets, and the equity position in the property. Ideal for high-net-worth borrowers, retirees, and privacy-focused buyers.
Run the NumbersKey Advantages
Why Choose a No-Ratio?
Here's what sets this loan product apart and who it works best for.
No Income Documentation
No tax returns, no W-2s, no P&L, no bank statement analysis. Your income never enters the file.
No DTI Calculation
Debt-to-income ratios are not calculated, making this ideal for borrowers with high expenses or complex finances.
Privacy-Focused
Your income sources and amounts remain private; only assets and credit are evaluated.
Fast Processing
Fewer documents means a streamlined process and potentially faster closing.
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Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for No-Ratio Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Credit Score | 680+ |
| Max LTV | 65% |
| Qualification Basis | Credit, liquid assets, and property equity |
| Income Documentation | None |
| Property Types | Primary, second home, investment |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about No-Ratio Loan loans.
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West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
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