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No Doc No Credit refers to a type of loan in which the lender doesn't require the borrower to provide documentation of their income, assets, or credit history.

4 Years Fixed (3 Years PI Reserves) Balloon
5 Years Fixed (4 Years PI Reserves) Balloon

4 Years Fixed is only acceptable in CA, OR and WA.
Investment property with Max. Loan Amount: $7,500,000.
Subject property can not be vacant for Refinance.
Only Investment Property (1-4 units).
Standard 1 Yr PPP (1%) (All PPP must conforms to local State law requirements.) ★Foreign National Allowed

*All require Reserves must be deposited in the account designated by AAA LENDINGS (Reserve Account: Non-Interest Depository Account)

Program Highlights

Now we can do Washington, California, Oregon, Hawaii, Texas, Florida and Georgia!

Max Loan Amt $16M, Pls Call For Price

No Need to Provide:

1) Credit Report;
2) Employment History;
3) Bank Statement;
4) 4506-C;
5) Tax Returns.


1) LTV 70%;
2) Property Type: SFR (1-4 units), Condo, Townhomes, PUD;
3) Foreign National;
4) Only Investment Property: 1-4 Units;
5) Purchase & R/T Refi & C/O Refi.

General Guideline

1.Credit Standards
★No minimum tradeline requirement.
★BK/ FC / SS / DIL allowed
2.Asset Requirements
★Stated assets on the 1003 is required.
★All reserves must be deposited in loan investor bank. (Reserve Account: Non-Interest Depository Account)
3.Appraisal Requirements
★1 Appraisal + 1007 Rent Schedule
4.Eligible Entities
★LLC or Corporation
★Individual Borrower(s) or Trust (Revocable)
5.To open an account for reserves (not req. for submission)
★Limited Liability Company (LLC):LLC Operating Statement; Certificate of Formation; Resolution/Minutes (Current Officers and Title/Positions);EIN Copy
★Corporation:Articles of Incorporation; Certificate of Incorporation;Bylaws;Resolution/Minutes (Current Officers and Title/Positions);EIN Copy
6.General Requirements
★Foreign National: allowed - Must obtain ITIN (W-7 Form) and CPA Letter.
★POA: allowed - Only Individual Borrower(s)
★Property Type: SFR (1-4 units), Condo, Townhomes, PUD
★All Funds included EMD, Reserve, and Closing Funds must be wired from the borrower's bank account(s) indicated on 1003.

7. State Specific
★For Florida, Max LTV -5.000%. (If Duval or Manatee Countie, there will be additional 5.000% LTV reduction).
★For Florida, all properties will be required to have Flood Insurance (no exceptions).
★For Harris County in Texas, Overall LTVs to be LOWERED by 5% due to heightened risk of natural disasters.
★For Coastal Areas where Hurricanes are becoming more common, Windstorm Insurance/Endorsements will be required.

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