No Tax Return Loans

The ideal mix of customized products and core expertise for the self-employed and recently retired.


We structure customized no-tax return loan programs for both self-employed, real estate professionals, recently
divorced and retired borrowers who have good credit and strong liquid reserves, and/or balance sheet.

Rate as low as 3.490% | 3.424% 3/1 ARM Adjustable Rate Mortgage 1
  • Ideal for investors who are self-employed or retired.
  • Primary vacation and investment properties are eligible.
  • Loans from $500K to $25 million and loan-to-values (LTV) up to 80%.
  • Revocable, Irrevocable, LLC, LP or corporate entity structures all welcome.

Our No Tax Return Program utilizes the following alternative financial documentation:

  • Recent self-employed income verification.
  • CPA-prepared profit-and-loss statements and balance sheet.
  • Divorce and retiree income.
  • Real estate schedules and liquid asset statements.

Transaction Spotlight

The Situation
We recently helped a client who had already owned over 25 different tax entities and over 20 different properties to purchase a $8.5 million primary residence with 55% lender financing.

The Solution
Insignia Mortgage underwrote the cash flow and approximate net equity in borrower’s real estate holdings, and verified the down payment from several business bank accounts. A vesting structure was set up to a corporation with a foreign trust as the beneficiary.

The Loan Details

  • $4.75 million loan amount
  • 7/1 ARM
  • 3.788% APR
  • No prepayment penalty on a 30-year term
  • 40-day close of escrow