Qualifying for a Full Doc loan doesn’t have to be complicated—especially with LendSure Home Loans. Our program is designed specifically for real estate investors, offering competitive rates, flexible terms, and a commonsense approach to lending. Whether you’re expanding your portfolio or refinancing an existing property, LendSure Home Loans makes the process straightforward. 

With features like interest-only payment options, cash-out refinancing, and financing for a variety of property types, our Full Doc loans for investors empower you to achieve your investment goals. 

What Are Full Doc Loans? 

A Full Doc loan for investors is a traditional mortgage product that requires borrowers to provide detailed financial documentation, such as proof of income, assets, and employment. These loans are ideal for investors with steady income and organized financial records, as they often unlock better rates. 

At LendSure Home Loans our Full Doc loans are designed with real estate investors in mind. We take a commonsense approach to lending, tailoring loans to fit your unique financial situation. By providing comprehensive documentation, you can benefit from lower interest rates and flexible loan options. 

With loan-to-value ratios up to 85%, loan amounts up to $3 million, and debt-to-income (DTI) ratios up to 50%, our program supports a wide range of investment strategies. Additionally, LendSure Home Loans rental income calculation method helps investors secure better terms by lowering their debt-to-income. 

How to Qualify for a Full Doc Loan 

Qualifying for a Full Doc loan for investors with LendSure Home Loans involves three main steps: gathering documentation, submitting your application, and completing the loan processing stages.  

Here’s what to expect: 

Step 1: Prepare Your Financial Documentation 

Before applying, ensure you have the following: 

• Proof of Income: Tax returns, W-2s, or pay stubs to verify income stability. 

• Asset Documentation: Recent bank statements to show savings and reserves. 

• Rental Income Records: For existing properties, provide documentation of rental income, and are used to calculate a lower debt-to-income. 

Being organized at this stage helps expedite the approval process. 

Step 2: Submit Your Application 

Complete LendSure’s straightforward online application, which collects essential details about your financial situation and the property you’re financing. Our preliminary assessment provides insight into your eligibility and next steps. 

Step 3: Loan Processing and Underwriting 

Once your application and documentation are submitted, your file is reviewed for accuracy and completeness. Our loan officers will communicate any additional requirements to ensure a smooth process. 

During underwriting, our team evaluates your creditworthiness and verifies the provided information. LendSure’s commonsense approach means we consider the full picture of your financial stability—not just a single metric like credit score. 

Why Choose LendSure’s Full Doc Loans? 

At LendSure Home Loans, we understand the challenges real estate investors face. That’s why we’ve designed our comprehensive full doc mortgage solution to address those specific needs: 

• Unlimited Financed Properties: No limit on the number of properties owned and can finance up to 10 properties for 1 investor 

• Interest-Only Payment Options: Choose from 5 or 10 year programs for lower monthly payments and improved cash flow. 

• Flexible Property Types: Finance single-family residences, 1-4 unit properties, non-warrantable condos, and condotels. 

• Cash-Out Refinancing: Use cash-out proceeds to meet reserve requirements or fund new investments. 

• Loan Amounts: Up to $3 million. 

• Loan-to-Value (LTV): Up to 85%, enabling lower down payments. 

• DTI Ratios: Acceptable up to 50%. 

About LendSure Home Loans 

It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan. 

We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say’ yes’ to today’s homeowners and investors. 

Ready to explore how LendSure Home Loans’ can help you finance your next property? Contact us today.