Equitable Lending - Direct Mortgage Solutions
No Tax Returns Required • Self-Employed Friendly

No Tax Return
Mortgages

Perfect for self-employed professionals, business owners, and investors. Qualify using bank statements, P&L statements, or asset verification instead of traditional tax documentation.

Bank Statements
P&L Only
Asset Depletion
DSCR Loans

Fast-Track Approval

Skip the tax return hassle

Submit Application
Quick online form
Provide Documents
Bank statements or P&L
Get Approved
Close on your property
24-48hr
Typical Processing
600+
Min Credit Score
85%
Max LTV Primary
$100K
Min Loan Amount
5+
Program Options
Learn More

Alternative Documentation

No Tax Return Programs

Multiple qualification paths designed for self-employed professionals and business owners.

Bank Statement Loans

Qualify using 12-24 months of personal or business bank statement deposits.

  • 12 or 24 month options
  • Personal or business accounts
  • Flexible expense ratio

P&L Statement Only

Use a CPA-prepared or self-prepared profit & loss statement to qualify.

  • CPA or self-prepared
  • Year-to-date income
  • Simplified documentation

Asset Depletion

Income calculated from your liquid assets—perfect for retirees or high-net-worth individuals.

  • No employment required
  • Uses liquid assets
  • Great for retirees

DSCR Loans

Investor program based solely on the property's rental income—no personal income verification.

  • Rental income qualifies
  • No DTI calculation
  • Perfect for investors

VOE Only

Employment verified directly with your employer—no tax returns or paystubs needed.

  • Employer verification
  • No paystubs required
  • Fast processing

Not Sure Which Program?

Our loan specialists will help you find the perfect fit for your situation.

Call (877) 885-0111

Eligible Property Types

Primary residences
Second homes
Investment properties
Condos
2-4 unit properties
Non-warrantable condos

General Guidelines

Minimum Credit Score 600+
Minimum Loan Amount $100,000
Max LTV (Primary) Up to 85%
Max LTV (Investment) Up to 80%

Client Success Stories

What Our Clients Think

Don't just take our word for it. See what our satisfied clients say about their no tax return loan experience.

"Equitable Lending provided me with an amazing experience securing my first home loan. Their team made the process seamless and stress-free!"

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James
First-Time Homebuyer

"As an investor, I have worked with numerous lenders, but Equitable Lending stands out for their expertise in wholesale lending and quick approvals. Highly recommended!"

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Sarah
Property Investor

"The customer service I received from Equitable Lending was exceptional. They guided me through every step of the refinancing process and answered all my questions promptly."

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Elaine
Refinance Client
640+
Happy Clients
5.0★
Google Rating
71+
Years Experience
Same Day
Pre-Approval