No Income Verification
Qualify based on assets and credit — no income documentation required
Designed for self-employed borrowers, entrepreneurs, and investors who have the assets and credit to support a loan but cannot easily document income through tax returns or paystubs. Available for new purchases, refinances, and primary investment properties nationwide.
Who This Is For
Self-employed borrowers whose tax returns show lower income than actual cash flow
Entrepreneurs and business owners who retain earnings in their business
Real estate investors with strong assets but non-traditional income structures
Borrowers who have been declined by traditional lenders due to income documentation
Requirements
How Sofla Helps
Our AI qualification engine handles the heavy lifting so you can focus on closing.
AI qualification identifies self-employed borrowers and routes them to no-income-verification eligible programs
Asset-based assessment evaluates bank balances, investment accounts, and property equity in place of income
Automatically distinguishes between no-income-verification, bank statement, and P&L paths based on borrower profile
Connects borrowers to lenders with genuine no-income-verification underwriting — not just stated income
Get Qualified for No Income Verification
A few questions. A real score. The exact document list for your loan type.
Start Qualification