No Tax Returns No Credit Florida Mortgage Lenders

No Tax Return No Credit Florida Mortgage Lenders
Yes, you can get pre-approved for a Florida mortgage with no credit and no tax returns. Even if you have NOT filed your taxes its still possible to qualify for a Florida mortgage.  These Florida no tax return mortgage lenders allow you to qualify using alternative documents and even NO INCOME DOCUMENTS to purchase or refinance Florida real estate. Our home loan programs, designed for self-employed individuals, enable you to get pre-approved and qualify for a home purchase or cash-out refinance in Florida using alternative income sources.
No Tax Return – No Credit – Florida Mortgage 

No Credit Score – No Tax Return –

• Borrower must have:
• No Alt trade lines required
• 75% LTV:  50% of the funds have to come from the borrower, o 50% can be a gift from a relative
• 80% LTV: 6 months rent verification
• 100% of the funds have to be from the borrower
• No rent verification required

Florida No Tax Return No Credit FHA Mortgage Lenders

Yes, our Private Florida FHA mortgage lenders offer a 3.5% down, profit-and-loss-only program. Florida self-employed borrowers can now provide a self-prepared profit and loss statement to qualify for an FHA mortgage with No Tax Return, No Credit Score. The majority of the conditions for this program are based on the automated underwriting approval. The income documents we require.

Profit and Loss FHA Mortgage Lenders

1. The last 2 years’ Profit and Loss statements, the YTD P&L, and the current balance sheet.
2. Prove 2 years self-employed by providing an active business license, LLC, or S-Corp.
3. The minimum credit score is 640, and borrowers need at least 3 tradelines with 12+ months.
4. We also require proof of business insurance for industries that would need it.
5. (Read More) Profit and Loss Florida FHA 

No Tax Return No Credit Florida Mortgage 

No Income – No Tax Return No Credit Mortgage 

No Tax Return No Credit Florida Mortgage:

• Single-family home – No Tax Return No Credit Mortgage Lenders
• Luxury Jumbo – No Tax Return No Credit Mortgage Lenders  
• Townhouse- No Tax Return No Credit Mortgage lenders 
• Manufactured home – No Tax Return No Credit Mortgage Lenders  
• Co-op – No Tax Return No Credit , Florida Mortgage Lenders 
• Condotel  – No Tax Return No Credit Mortgage Lenders 
• Investor Loans- No Tax Return No Credit Mortgage lenders 
• Commercial – No Tax Return No Credit Florida Mortgage Lenders

About No Tax Return No Credit Home Loans

• Florida standard and jumbo no-tax-return mortgage lenders summary: 
• Rates and Costs: Interest rates are typically higher (about 2% more) than traditional Florida mortgages.
• Loan Terms: 15, 20, 25, or 30-year fixed, including 40-year interest-only options.
• Property Types: Single-family homes, luxury,  condos, investment properties, condotel, and commercial.
• Loan Amounts: Up to  $50MM with many Florida lenders offering solutions for complex situations.
• Documentation: NO doc options or use Bank statements, 1099s, or asset depletion (using stocks or retirement accounts to qualify).
• Requirements: Generally, a 600-680+ FICO score and a 10% to 20% down payment.
• No-doc, low-doc,  bank statement loans are specialized for self-employed individuals with multiple streams or complex tax situations who cannot show pay stubs or W-2s. The primary borrowers include self-employed professionals, freelancers, independent contractors, gig workers, and Florida real estate investors. These loans are ideal for high-net-worth individuals, business owners with high deductions, and retirees using assets for income. These programs are available for primary residences, second homes, and investment properties across all of Florida, including Miami, Fort Lauderdale, Naples, Jacksonville, Tampa, and Palm Beach.

4C’s Airbnb Short-Term Rental Qualifying

• Cash – Min 25% – 35 % saved. The estimated rough breakdown is 15-25% down payment, another 5% closing cost, and 5% reserves. Mortgage reserves are liquid assets a homebuyer holds in their bank account after closing on a loan, equivalent to a certain number of months of their total housing payments (PITI). 
• Credit – Minimum 600+, but you need at least 35% down with this low of a credit score.
• Capacity /(DTI) debt to income – Is based on the subject property’s comparable rental income or current rental income. 
• Collateral– Single-family homes, townhomes, villas, condos, etc

No Tax Return No Credit Florida Mortgage Options:

• No Doc, No W2, No Tax Return No Credit – No Tax Return No Credit , no doc loan options.    
• Bank Statement Deposits – Use your bank statement for income.         
• Jumbo No Tax Return No Credit s – Jumbo No Tax Return No Credit for large loans. 
• 1099 mortgage Lenders – U use 1099 with No Tax Return No Credit s required.        
• 3 Months Bank Statement – 3 3-month bank statement alternative income.. 
• Self-Employed Less than 1 year – Qualify with less than 2 years in the same work. 
• VOE Only Mortgage – Verification of employment uses the employer VOE to qualify.
• Asset Depletion – Divide qualifying assets to qualify by averaging over 60 to 84 months.
• ITIN No Tax Return No Credit mortgage – ITIN instead of a Social Security number to qualify.           
• Pledged Assets – Pledge assets in reserves for collateral.           
• DSCR Rental Income – Use the subject property income to qualify.. 
• Rent To Own – Pick your own Florida rent-to-own home. 

No Tax Return No Credit Florida Mortgage Lenders

• Yes, it is still possible to find Florida mortgage lenders that offer No Income, No Job, No Tax Return No Credit , No W2, No 1099, No Doc, No paystub, NO IRS Transcripts, No Checking account, No Bank Statement, Florida mortgage lenders. For example, our Florida bank statement mortgage lenders will allow you to average 3 or 12, or 24 months of bank statement deposits as long as you have been in the same line of work for almost 2+ years.. These bank statements, Florida mortgage lenders can be a great option for cash businesses or self-employed contractors that have been in business for less than 1 year self employed mortgage applicants who cannot show enough income, and/or have NOT yet filed their Tax returns. 
• No Tax Return No Credit Rent to Own Florida Mortgage Lenders 
• Our Rent Own Florida Mortgage Lenders allows you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity.  If you’re looking for Florida rent-to-own homes for sale, this homebuyer program allows even bad credit Florida mortgage applicants the opportunity to pick out the Florida home of your choice and rent-to-own lease option while building equity.