No Income No Assets verification for investors purchasing multifamily and commercial properties, qualifying on the deal rather than personal income.
NINA stands for No Income No Assets. It is a program built for experienced real estate investors who want financing without providing personal income or asset documentation. Instead of underwriting your personal finances, the loan focuses on the property and the strength of the deal.
Because personal income and assets are not verified, these loans rely on the property's value and income potential, your credit, and the down payment. They are commonly used for multifamily properties of two or more units and for commercial properties, where the investment itself supports the loan.
Experienced investors purchasing multifamily or commercial properties who prefer a streamlined qualification based on the property rather than personal documentation.
