WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
No doc · No income · No DSCR · No tax returns

Qualify on credit and equity.
Nothing else.

Investor and small balance commercial loans priced strictly on your credit score and loan-to-value. No income verification, no tax returns, no bank statements, no rent rolls and no DSCR. Win-Win Capital Funding is your lender of record, and you'll see your rate in seconds.

No incomeverification
No DSCRor rent roll
No creditminimum at 50% LTV
$10MMsuper jumbo
1 DAYout of bankruptcy

No credit score? Recent BK or foreclosure? You can still close.

Our Fast50 loan goes up to 50% LTV with no minimum credit score, bankruptcy or notice of default discharged just 1 day, mortgage lates OK, 1-day title seasoning, and foreign investors and ITIN welcome. 30-year fixed on 1–4 unit property, with 50% LTV versions for multifamily and commercial.

Apply now →
Residential investment · 1–4 units

No-doc investor loans

Single-family, condos, townhomes and 2–4 units. Business-purpose, non-owner-occupied.

Most popular

30-Year Fixed · No Doc

Long-term, fixed-rate and fully amortizing, with no balloon. Priced on credit and LTV only.

75%Max LTV
$2MMMax loan
30 yrsFixed
  • Purchase, rate/term and cash-out refinance
  • $75,000 minimum loan
  • Buy down your rate: 1 point = 0.375% lower
  • Buy down your prepay: 5-year declining, or shorten it to as little as 1 year
  • Foreign nationals and ITIN to 65% LTV
  • Secondary financing allowed to 90% CLTV
Rates from 8.415%Apply now →
No credit minimum · 1 day out of BK

Fast50 · 50% LTV

For high-equity investors who want quick, easy credit qualification.

50%Max LTV
NoneMin credit
1 dayBK / NOD
  • No minimum credit score; thin or no credit OK
  • Bankruptcy or NOD discharged 1 day
  • Mortgage lates OK
  • 1-day title seasoning for cash-out
  • Foreign investors and ITIN OK
  • Up to $2MM, 30-year fixed
Rates from 8.915%Apply now →
Large balance

Super Jumbo to $10MM

Large-balance, no-doc financing for seasoned investors in major metropolitan markets.

$2–10MMLoan size
65%Max LTV
600Min credit
  • 30-year fixed, fully amortizing
  • Purchase, rate/term and cash-out refinance
  • No income or tax return documentation
  • Rate and prepayment buydown options
  • Foreign nationals and ITIN to 65% LTV
  • Seasoned investors in major metro markets
Rates from 8.665%Apply now →
Short-term · No prepay

24-Month Interest-Only Bridge

Short-term financing to buy, reposition or refinance, with no prepayment penalty.

75%Max LTV
24 moInterest-only
675Min credit
  • $75,000 to $2MM (70% LTV over $1MM)
  • No prepayment penalty: sell or refinance any time
  • 1.50% at closing plus 2.00% at payoff
  • Rate buydown up to 0.75%
  • First-time investors to 65% LTV
  • Foreign nationals and ITIN to 65% LTV
Rates from 9.425%Apply now →
No doc · No income · No DSCR commercial

Small balance commercial · Lite Doc

Loans from $100,000 to $5 million on multifamily, mixed-use and commercial property. No rent roll, P&L or tax returns needed to qualify. Priced on credit and LTV.

Price a commercial loan →
5+ units · Mixed-use

Multifamily & Mixed-Use 30-Year

Apartments and mixed-use buildings on a 30-year fixed with no balloon.

75%Max LTV
$5MMMax loan
30 yrsFixed
  • Purchase, rate/term and cash-out refinance
  • No rent roll or operating statements to qualify
  • Rate buydown and prepayment buydown
  • Secondary financing allowed to 90% CLTV
  • Foreign nationals and ITIN to 65% LTV
Rates from 9.665%Apply now →
Office · Retail · Warehouse · Self-storage · Automotive

Commercial 30-Year Fixed

Long-term fixed-rate financing for income-producing commercial property.

70%Max LTV
$5MMMax loan
30 yrsFixed
  • Office, retail, warehouse, self-storage and automotive service
  • No income, tax return or DSCR requirement
  • Owner-users and investors
  • Rate buydown and prepayment buydown
  • Secondary financing allowed to 90% CLTV
Rates from 10.040%Apply now →
High equity · Credit-based

Fast50 Commercial & Multifamily

50% LTV, priced on credit alone. Built for speed.

50%Max LTV
<600Scores OK
30 yrsFixed
  • Multifamily, mixed-use and commercial
  • Credit scores under 600 accepted
  • Foreign investors and ITIN OK
  • Purchase, refinance and cash-out
Rates from 10.165%Apply now →
Bigger or unusual deal?

Over $5MM or another property type

Churches, hotels, gas stations, land and 140+ more property types through our capital partners.

  • Bridge, construction, SBA, agency, CMBS and private capital
  • Up to 90% CLTV structures with seller carry
  • $250K to $500MM+
Why no doc

Your equity and credit do the talking

No paperwork marathon

No tax returns, W-2s, bank statements, rent rolls, leases or P&Ls to qualify.

Pricing you control

Buy down your rate 0.375% per point, or pay a small fee to shorten your prepayment penalty.

We're the lender

Win-Win Capital Funding is the lender of record and funds at closing.

Credit-challenged welcome

No credit minimum at 50% LTV, and 1 day out of bankruptcy or NOD.

Global investors

Foreign nationals and ITIN borrowers qualify on every program.

LLC or individual

Close in your LLC, corporation or personal name.

How it works

From rate to term sheet in minutes

Price it

Enter property, value, loan amount and credit score. See your rate instantly.

Customize

Buy down the rate or the prepayment penalty, and compare programs side by side.

Accept

Complete a 2-minute short application and get your term sheet.

Close

E-sign your credit authorization, upload a few documents, and we fund at closing.

Get my rate now →
Questions

No doc loan FAQs

Do I need tax returns or bank statements?

No. These loans are priced on your credit score and loan-to-value. There's no income verification, no tax returns, no bank statements and no DSCR requirement.

Can I get a loan with no credit score?

Yes. Fast50 goes up to 50% loan-to-value with no minimum credit score, and accepts borrowers 1 day out of bankruptcy or notice of default.

How does the rate buydown work?

Each point you pay at closing (1% of the loan) lowers your rate by 0.375%, down to the program's minimum rate.

How does the prepayment penalty buydown work?

30-year loans carry a 5-year declining prepayment penalty (5%, 4%, 3%, 2%, 1%). You can remove a year for a 0.375% fee, down to a 1-year minimum. Some states don't allow prepayment penalties on these loans. There, the pricer adds 1.00% to the rate or a 1.50% fee.

What does it cost?

30-year programs carry a 2.00% origination fee. The 24-month bridge has 1.50% at closing, a $999 underwriting fee and 2.00% at payoff. Third-party costs like appraisal, title and insurance are separate.

Can I use these loans for my primary residence?

No. These are business-purpose loans on non-owner-occupied investment and commercial property. Owner-user commercial property is allowed.

How big can the loan be?

Up to $2 million on 1–4 unit properties, $2 million to $10 million on Super Jumbo, and up to $5 million on small balance commercial.

See your no-doc rate in seconds

No income docs, no DSCR, no credit minimum at 50% LTV. Priced instantly, with a term sheet when you accept.

Get my rate →

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