Some deals don't wait. And some borrowers don't fit the mold. That's where no doc loans come in. What is a no doc loan? Exactly what it sounds like. Minimal documentation. No tax returns. No income verification. We underwrite based on the asset — the property itself. Its value. Its income potential. The deal structure. Who uses no doc loans in California? Experienced investors who move fast Foreign nationals with no US income history Borrowers with complex financial structure