No Doc Loan

Financing for residential investment properties.

Welcome to LRD Capital, where we’re revolutionizing the way you fund your residential investment property loans. Our mission? To provide a smart, fast, and easy lending solution that’s tailored to your needs. Say goodbye to the headache of complicated loan submissions – all you need is a 1003 and a credit report to get started with us.
As a direct portfolio lender, we pride ourselves on our ability to set our own underwriting guidelines. Our approach is simple yet effective – we focus on the value of your property and its revenue-generating potential, rather than your personal income. This means that we can fund loans that traditional lenders simply can’t. With LRD Capital, you’ll have the freedom to make the most of your investment opportunities and achieve your financial goals. So why wait? Get in touch with us today and experience the LRD Capital advantage!
Assets, not income.
Attracting real estate investors who are self-employed or have W-2s can be a challenging task, but our rental property loan financing specialists are experts in this field. These extraordinary individuals are the driving force behind the residential investment property market, and we’re here to help you tap into this lucrative clientele.
With our investment property loans, you’ll have the ability to customize loan terms that meet your clients’ unique needs. Our FlexTerm Loan, for example, offers lower payments on a fixed-rate loan for up to 30 years, with an option for interest-only payments for up to 10 years. This feature alone sets us apart from other lenders who can’t provide such flexibility.
So why settle for cookie-cutter loan options that don’t meet your clients’ needs? Partner with us and attract a new set of clients with investment property loans that are tailored to their specific requirements.
We make financing for apartment buildings easy.
Attention brokers! Are you looking to take your business to the next level? Offering financing for multi-family properties, or apartment buildings, could be the game-changer you’ve been searching for. With five or more dwellings, these properties are a lucrative investment opportunity for your clients. Plus, they offer a higher cash flow than single-family homes, with less impact from vacancies on operating costs. Don’t miss out on this chance to expand your business and impress your clients with smart investment options.

Financing for multi-family buildings.

Are you on the lookout for financing opportunities for your apartment building venture? Look no further! Our asset-based mortgage programs are tailor-made for self-employed borrowers who are keen on investing in multi-family buildings. With our assistance, you can easily meet the needs of investing, you can write off their expenses against income. However, this tax-saving approach may reduce their personal income and make it difficult for them to qualify for traditional mortgage loans.
But fret not! Our asset-based investment property mortgage programs are the perfect solution for you. By focusing on the value of the property and its revenue-generating potential, we eliminate the personal income reporting requirements that come with traditional loans. So why wait? Contact us today to learn more about our mortgage programs and take your business to the next level!
Flexible solutions for financing an apartment building.
If you’re a multi-family property investor, then we have a FlexTerm loan that’s perfect for you. It’s not just any ordinary financing solution, but a simple and hassle-free option that can help you achieve greater financial success. With interest-only payments for up to 10 years, you’ll have more flexibility to manage your finances and invest in other areas. Plus, you can stay in the loan for up to 30 years without worrying about any balloon payments. And best of all, you’ll enjoy lower monthly payments compared to a hard money loan. So why settle for less when you can enjoy all these benefits with our FlexTerm loan?
Understanding the differences of mixed-use property financing.
Enter the world of mixed-use property financing – an exciting realm where the possibilities are endless. Picture properties that boast a fusion of residential, commercial, industrial, and institutional units. These hybrid buildings are a true marvel of modern architecture! And the best part? Almost any building with at least two units of different usage qualifies for mixed-use financing.
Join us, whether you’re a business owner looking to live and operate your business from the same building, or a savvy real estate investor seeking to play the role of landlord for both residential and commercial tenants. With mixed-use financing, the potential for lucrative returns is endless. So why wait? Take the first step towards your dream property today!
As savvy business owners, we know that diversifying our rental income stream is key to long-term success. While we love our reliable residential tenants, we also recognize the financial benefits of commercial tenants, particularly those in ground floor retail. These savvy folks are willing to pay top dollar for prime real estate, which means we need to keep them in mind when evaluating the revenue potential of our mixed-use properties. In fact, the composition of our tenant roster can make all the difference in the value of our properties, even if they’re located in the same area. So let’s get strategic and make sure we’re attracting the most lucrative tenants to maximize our profits.

Financing for mixed-use buildings

With our extensive background in mixed-use property financing, we have developed an unparalleled ability to spot opportunities that other, less-seasoned lenders may overlook.
Introducing our innovative FlexTerm mixed-use property financing program, designed to provide your investors with a hassle-free qualification process for the purchase or cash-out refinance of their mixed-use building. What’s more, our program affords them the flexibility to remain in the loan for up to 30 years, allowing for long-term financial stability and security. Don’t settle for less when it comes to your investment strategy – let us help you seize the potential of your mixed-use property today.
Same area, different value.
At our company, we take a unique approach to lending with our FlexTerm loan. Instead of relying on personal income, we focus on the value of your property and its potential to generate revenue. Our team of experts excels in evaluating tenant mix and the value of mixed-use buildings, which is crucial in approving loans for self-employed investors and small business owners. With our FlexTerm loan, you can feel confident knowing that we are invested in your success. Let us help you achieve your business goals today.

Commercial Real Estate Loans

Entrepreneurs across the nation are thriving thanks to small commercial properties. These gems of real estate are the backbone of small businesses everywhere, and we’re proud to offer financing solutions that cater to their unique needs. Our commercial real estate loans are designed to help business owners achieve their dreams of property ownership with ease.
If you’re a seasoned commercial mortgage broker or just starting out in the industry, it’s crucial to understand the impact of property type on loan terms. We’re here to guide you every step of the way, so you can help your clients get the funding they need to succeed.
As a lender, we know that financing commercial properties can be tricky. That’s why we specialize in providing loans for a wide range of properties, from office buildings to automotive repair shops. However, we do recognize that certain properties pose a higher risk due to their specific use, such as bowling alleys or manufacturing plants. While other lenders may shy away from these properties, we have the expertise to evaluate and make informed decisions. We may require a lower LTV or a higher downpayment, but that does not deter us from helping you achieve your business goals. Our focus is on providing you with the financing you need to succeed, regardless of property type. So let’s talk – we’re here to help.
Welcome to our investment property financing program, where we empower you to invest in small balance commercial real estate buildings with loans of up to $5 million. We know that not everyone is ready for the big leagues, which is why most of our commercial real estate loans fall under $2 million. These loans are a perfect starting point.
As a savvy businessperson, you understand that every moment counts when it comes to bringing your vision to life. That’s why we offer uncomplicated, asset-based commercial loans that can give your small business the velocity it needs to acquire or refinance properties with ease.
We know that traditional funding options can be a hassle, which is why we’ve streamlined our process to offer less paperwork and more flexibility. Our loans are designed to look beyond personal income, giving investors the freedom to explore funding options that they might not have considered before.
Whether you’re looking to finance a new property or cash out on a refinance, our commercial loan terms make it simple to qualify. So why wait? Let us help you take your business to the next level with our innovative funding solutions.
Flexible financing.
Our loan solutions are the perfect choice for investors who want to bring their vision to life without the hassle of complicated financing. With our FlexTerm Loan, commercial real estate investors and small business owners can enjoy a range of benefits that make financing a purchase or cash-out refinance a breeze.
With interest-only payments up to 10 years and the flexibility to remain in the loan for up to 30 years with no balloon payment, our loan solution is tailored to meet the unique needs of our clients. Plus, with lower monthly payments than a hard money loan, our FlexTerm Loan is the smart choice for investors who want to maximize their returns while minimizing their costs.
So if you’re ready to take your investment to the next level, choose our simple, flexible loan solutions and start bringing your vision to life today!

Mortgage Programs

FlexTerm Loan
Customize loans to meet the individual needs of each investor.
Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
  • 30-year fixed rate.
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
A short-term solution for improving property value and maximizing rental appeal.
Designed for real estate investors seeking a short-term, interest-only loan to maximize appreciation, stabilize cash flow, and minimize vacancies.
  • Allows borrowers to finance improvements based on the property’s “as repaired value.”
  • Helps to increase market value, rental appeal, demand, and rental rates.
  • Great for borrowers who need a quick close.
  • An interest-only, 1-year term to lower monthly payments.
  • A higher LTV than hard money lenders.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
Flex I/O
A short-term interest-only loan program.
Designed for investors seeking short-term financing with no prepay penalties.
  • An interest-only, 24-month term provides lower monthly payments.
  • Available for purchase or cash-out refinance.
  • Perfect for acquiring or leveraging real estate holdings.
  • A higher LTV than hard money options.
  • Single Family
  • Condominiums
  • Townhomes
  • Small 2-4 Unit Apartments
Fast50 Loan
A short-term solution for improving property value and maximizing rental appeal.
Our Fast50 Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.
  • Streamlined underwriting.
  • No seasoning of ownership required.
  • Improved pricing compared to our FlexTerm program.
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Foreign Investor Loan
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
  • LTVs of up to 65%.
  • No U.S. credit required.
  • No seasoning of funds required.
  • No other U.S. investment experience required.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Needed For Quote


# of Units


Property Type

Purchase / Refinance

Purchase Price / Current Value

FICO (mid score)

Rehab Budget (if Fix & Flip)

After-Repair-Value (if Fix & Flip)

Loan Type: Y/N

Acquisition: Y

Cash Out: Y

Refinance: Y

Recourse: Y

Fix & Flip: Y


Fixed: 30 yr

Variable: N/A

Int. Only: 1-10yr

Rate Lock: Y


Loan Amounts $250k – $5M

No Income Verification

No Asset Verification

No Tax Verification

No DSCR on 1-4 Investments

AirBnB is Okay!

No Rural or Special-Use


Property Types: Y/N

1-4 MF Investment: Y

Light Industrial: Y

Land: N

Mixed-Use: Y

Multifamily: Y

Office: Y

Retail: Y

Self Storage: Y

Senior Housing: N

Student Housing: N

UW Priorities

Collateral: Important

Credit: 650+

Cashflow: Not Required