You can get a Texas commercial loan without income verification using stated income, DSCR, or hard money programs. No tax returns, no W2s, no pay stubs required.
No-Income-Verification Loan Options
1. DSCR Loan — Qualify on Rent, Not Income
The DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property’s income — not yours. If the property generates $10,000/month and the loan payment is $8,000/month, the DSCR is 1.25x — that’s all we need. No personal income docs required.
2. Stated Income — Bank Statements Only
Provide 3-12 months of business or personal bank statements instead of tax returns. Ideal for self-employed borrowers, business owners, and investors who write off most of their income on their returns.
3. Hard Money — No Docs, No Income
Hard money loans are purely asset-based. We lend on the property value, not your income. No tax returns, no bank statements, no income verification of any kind. Close in 7-14 days.
Who Uses No-Income-Verification Loans?
- Self-employed borrowers and business owners
- Real estate investors with multiple properties
- Borrowers with high write-offs on tax returns
- Foreign nationals with no US income history
- Retirees with assets but low reportable income
Call 877-895-3634 or apply online — same-day LOI on most no-income-verification deals.