What lenders will refinance investment property without tax returns?

Generally the tax return is required to determine the amount of income from the investment property (s) you own, and virtually all mortgage now require a tax transcript even if they don't need the tax return. If you qualify for the payment, plus any other debts you have, without considering any rental income that could be an option.

It depends on what type of loan you have now.. If it's FHA or VA, then yes... if it's any other type of loan then no.. HARP loans are fully underwritten and require full documentation... since investor's are a higher risk than owner occupied borrowers, you will never see a lender willing to do a loan without tax returns, pay stubs, bank statements.. etc.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

No one, unless you are doing an FHA "Mortgage Only" streamline. Now, if you want to go with a hard money lender, they might, but the odds are you will need at least 30% equity and the pricing and the fees will likely make the deal worse than what you have now. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

If it is an FHA loan then you won't need to submit the returns if it a streamline.

Good point about the FHA streamline but apparently doesnt' apply here based on the 2nd post.

Although you have your answer from the first to respond. We are an A+ rated firm servicing you with offices in your area and I will be glad to get you specific rates and terms asap. Mark 302-449-7373

Halpau - I can do these easily. Remember -- we are talking about private money now. I want you to know that going into it. The idea that there could be a bank of any size that would remotely consider this type of loan is simply wishful thinking. However, if you subscribe to the theory that the ends justify the means --- Then call me asap - 800 813 3291 Andrew Alfonso - Tampa Florida

Not many, unless it is a streamline FHA. If you haven't done your taxes for 2012, then the chances are slim. If you have done them and don't have them available, then the processing dept can possibly use your tax transcripts. Call a local mortgage professional in your area. They will be able to give you good, straight up advice. Good luck.

Loans that do not require tax returns are call "stated income" loans. All other loans are full documentation and require tax returns in addition to other financial documents. If you require a stated income loan, please call me. I have a stated income loan product for investment properties in Florida. (561) 339-9446.