Asset-Based Business-Purpose Lending
No Tax Return Investment Property Loans.
Smart investors write off income on their tax returns, which makes conventional banks reject their applications. We qualify you on the property cash flow, equity, and entity strength with zero 1040s, zero W-2s, and zero 4506-C transcripts.
0
Tax Returns or 4506-C
0
W-2s or Paystubs
5-14 Days
Bridge / Flip Close
Up to 80%
Max DSCR Purchase LTV
30-Year DSCR Rentals
Long-term fixed financing for 1-8 unit rentals and short-term Airbnbs. Qualifies on lease or Form 1007 rent, up to 80% LTV purchase / 75% LTV cash-out.
Fix & Flip / Bridge
Up to 90% of purchase + 100% of rehab funded in 5 to 14 days. Underwritten on ARV and renovation scope, never personal debt-to-income.
Bulletproof 50 (No Credit Gate)
True asset-based equity loans up to 50% LTV with no credit-score minimum, no income verification, and rapid closing for time-sensitive opportunities.
No-Tax-Return Investor Loan FAQs
Do you pull IRS tax transcripts (Form 4506-C) on any DSCR or bridge loan?+
Never. All Adler Capital loans are commercial, business-purpose loans to real estate investors. We never request 1040s, K-1s, W-2s, or IRS transcripts.
Who uses no-tax-return investment property loans?+
Self-employed entrepreneurs, full-time real estate investors who maximize depreciation write-offs, business owners with complex corporate returns, and portfolio landlords who have already maxed out conventional 10-property Fannie/Freddie caps.
What documents ARE required instead of tax returns?+
We underwrite the asset and liquidity: entity docs (LLC Articles, Operating Agreement, EIN), property lease or market rent appraisal, hazard/windstorm insurance, and bank statements verifying cash to close and reserves (0 reserves required on many files up to $1.5M).
What if the property rent is lower than the payment?+
You still do not need tax returns. We route tight or negative-cash-flow properties through our Sub-1.0x (0.75x to 0.99x) or No-Ratio DSCR programs.