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Simplify Financing for Real Estate Investors with No Ratio Loans

ARDRI’s No Ratio Loan Program offers a flexible and innovative solution for borrowers who don’t meet standard DSCR (Debt-Service Coverage Ratio) requirements. This loan program provides tools to close more deals and is perfect for unique investment property scenarios where traditional metrics fall short. With ARDRI, you can help your clients access financing tailored to their needs — quickly, efficiently, and simply.

PRICE A LOAN DOWNLOAD FLYER

Simplify Financing for Real Estate Investors with No Ratio Loans

ARDRI’s No Ratio Loan Program offers a flexible and innovative solution for borrowers who don’t meet standard DSCR (Debt-Service Coverage Ratio) requirements. This loan program provides tools to close more deals and is perfect for unique investment property scenarios where traditional metrics fall short. With ARDRI, you can help your clients access financing tailored to their needs — quickly, efficiently, and simply.

PRICE A LOAN DOWNLOAD FLYER

Simplify Financing for Real Estate Investors with No Ratio Loans

No Ratio Hero Background

ARDRI’s No Ratio Loan Program offers a flexible and innovative solution for borrowers who don’t meet standard DSCR (Debt-Service Coverage Ratio) requirements. This loan program provides tools to close more deals and is perfect for unique investment property scenarios where traditional metrics fall short. With ARDRI, you can help your clients access financing tailored to their needs — quickly, efficiently, and simply.

Ideal Borrowers

Nancy, a seasoned real estate investor, discovered a prime investment property she couldn’t pass up. However, the property’s current rental income fell below its market potential, making it ineligible for traditional DSCR-based lending programs. That’s when ARDRI’s No Ratio Lending Program became the perfect solution. By focusing on the property’s current market valuation, the program allowed Nancy to move forward with confidence.

This program is tailored for borrowers who:

  • Own investment properties that lack sufficient rental income or have inconsistent rental history.
  • Cannot meet traditional DSCR minimums but have equity and seek financing based on market value.
  • Are seeking longer-term financing without the restrictive terms of hard money loans.
  • Need a streamlined qualification process without extensive income documentation.
  • Are active real estate investors looking to expand their portfolio or refinance existing properties.

Program Highlights

  • LTV up to 75% for Purchase
  • LTV up to 70% for Rate/Term Refinance
  • LTV up to 65% for Cash-out Refinance
  • Minimum 600 FICO
  • Loan amounts up to $2M
  • Non-Owner Occupied Only
  • No Income Verification – must leave blank on URLA
  • No Job Verification
  • No Reserve Options
  • No Prepay Options available
  • First Time Investors and First Time Homebuyers allowed
  • 30YR I/O terms available (Fixed or ARM)
  • SFR, 2-4 Units, Condos (and Non-Warrantable), PUD, Condotels, SFR used as a Care Facility, Rural Properties
  • Ability to lend to LLCs, Corporations, Trusts, Foreign Nationals, ITIN and Non-Permanent Resident Aliens
  • LPC & Borrower Paid Comp available (or a combination of the two up to 4 points)

Click here to view pricing and eligibility for ARDRI’s No Ratio Loan Program or price a loan with askARDRI.

Why Partner with ARDRI?

At ARDRI, we specialize in Non-QM and Business Purpose lending, empowering brokers like you with innovative solutions to meet the needs of diverse borrowers. Our commitment to transparency, technology, and personalized service ensures that you and your clients are set up for success.

Why Partner with ARDRI?

At ARDRI, we specialize in Non-QM and Business Purpose lending, empowering brokers like you with innovative solutions to meet the needs of diverse borrowers. Our commitment to transparency, technology, and personalized service ensures that you and your clients are set up for success.

Get Started Today!

Connect with the ARDRI team to explore how our No Ratio Loan Program can elevate your lending business and help your clients achieve their goals.

Call us today at 855.855.8598 to learn more or start your borrower’s application!

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Get Started Today!

Connect with the ARDRI team to explore how our No Ratio Loan Program can elevate your lending business and help your clients achieve their goals.

Call us today at 855.855.8598 to learn more or start your borrower’s application!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!