No Reserve – One Month Asset

Looking for a flexible loan option with minimal reserve requirements? Our No Reserve / One-Month Asset mortgage program is designed to simplify the approval process—perfect for investors, self-employed borrowers, or anyone with limited documented savings.

Program Highlights

✅ No Reserve Funds Required (on many loan types)

✅ Only 1 Month of Verified Assets Needed

✅ Ideal for Real Estate Investors and Business Owners

✅ No Traditional Income or Tax Return Requirement (when paired with DSCR or bank statement programs)

✅ Fast Closings with Light Documentation

✅ Available for Investment Properties and Second Homes

What Does “No Reserve” Mean?

Traditional lenders often require borrowers to show several months’ worth of reserves—savings or liquid assets available after closing to cover future mortgage payments.

With this program, you don’t need to show those reserves, giving you more flexibility to qualify, especially if your funds are tied up in investments or business operations.

Who Is This Program For?

  • Real estate investors with cash tied up in properties
  • Self-employed borrowers with non-liquid or seasonal income
  • Buyers with alternative sources of income or undocumented earnings
  • Foreign nationals with limited U.S. documentation

Program Considerations

  • Property appraisal required
  • Credit score and LTV restrictions may apply
  • May be combined with other flexible programs like DSCR or Bank Statement Loans
Scroll to Top