At Prestian.ai, our No-Income Verification Mortgage product is designed for borrowers with nontraditional income streams—such as self-employed professionals, investors, or those who cannot provide standard pay stubs or tax returns.
We use AI-powered analysis of assets, bank statements, and alternative cash flow indicators to match you with lenders who accept such documentation while helping you understand cost, risk, and qualification possibilities.
Self-employed borrowers, freelancers, consultants, contractors whose income does not neatly appear as W-2s or steady payroll.
Real estate investors who depend on rental income rather than salary.
High net worth individuals who possess significant assets, reserves, or investment income but cannot produce traditional proofs.
Borrowers in transition (e.g. recently started a business) who have strong liquidity or collateral but not enough historical income documentation.
Many lenders restrict no-income verification programs to investment properties or secondary homes—not always allowed for primary residences.
These loans often fall into the non-QM or portfolio lending space (loans kept on the lender’s books rather than sold to agencies).
Because of higher perceived risk, interest rates are typically higher, and terms may be stricter.
Loan amounts may be capped or limited by the lender’s internal policies.
Lenders may require extra reserves (several months’ cash reserves) as added security.
