If you’re an entrepreneur, self-employed, or living off investment income, you’ve probably run into this:
"We can’t approve you — you don’t have W2 income."
It’s the brick wall so many real estate investors hit when they try to get funding.
But here’s the truth…
You can get approved without a W2 job — you just have to know what lenders actually care about.
Let’s break it down.
Traditional banks are slow to adapt. They like predictable pay stubs, W2s, and cookie-cutter financials.
But real estate investors aren’t cookie-cutter.
Lenders are evolving — and many now look at a broader financial picture to determine eligibility, including:
So even if you don't have a boss signing your paycheck, you may still qualify for serious capital.
1. Strong Credit Profile
680+ is ideal. But we’ve gotten clients funded with scores as low as 620 when other areas were strong.
2. Low Revolving Debt Usage
If your credit cards are maxed out, clean that up fast. It’s the #1 reason for denial.
3. Consistent Income or Cash Flow
1099s, business bank statements, rental income, or even stock dividends can count.
4. Clear Loan Purpose
If you can show you’re using funds for a real estate deal — not a shopping spree — you’re in a stronger position.
5. Proof of Experience (Bonus)
A track record of successful flips, STRs, or rentals helps — but we’ve helped total beginners too.
If you're trying to get funded without a W2, do this today:
Banks weren’t built for people like you.
They’re built for people clocking in 9–5 with the same paycheck every two weeks.
But real estate wealth is built by people who take risks — flippers, STR owners, developers, and creative dealmakers.
We’re here to bridge that gap — to help you unlock funding without the W2.
If you’ve got decent credit, a real plan, and the drive — you may already qualify.
Skip the bank drama. Let’s get you funded.
👉 Apply for Pre-Approval in 60 Seconds
