Commercial & Mixed-Use Loans - No Income Requirements

At JZ Mortgage, we specialize in helping investors, entrepreneurs, and property buyers get the financing they need—even when traditional lenders say no. If you're looking to purchase or refinance a commercial or mixed-use property our no income verification program makes it easy to qualify and close. There are no requirements for employment, income, tax returns, business experience, or traditional full documentation requirements.

With up to 75% LTV / 90% CLTV (Combined Loan To Value), loan amounts up to $5 million, and no income documentation required, we make it possible to move forward on the right investment without extensive income and debt ratio requirements, underwriting delays, and lots of red tape. Whether you're growing your portfolio, expanding your business, or making your first commercial purchase, JZ Mortgage is your partner every step of the way—with fast approvals, flexible terms, and expert guidance.

Program Highlights:

• Up to 75% LTV on 1st mortgage
• Up to 90% CLTV with seller carryback or 2nd mortgage
• No income documentation required – no tax returns, no W-2s, no debt ratios
• Available for non-owner-occupied investment properties
• Loan amounts from $75,000 to $5,000,000
• Close quickly and easily—even on complex or unconventional deals
• Perfect for both business owners and real estate investors
• Nationwide lending with flexible underwriting
• Up to 4% seller concessions allowed

Eligible Property Types:

• 1–4 Unit Residential Properties
• Mixed-Use Properties (residential + commercial/retail/etc.)
• Multi-Family / Apartment Buildings
• Commercial Buildings
• Warehouses
• Self-Storage Facilities
• Industrial Buildings
• Automotive Properties
• Retail Stores
• Assisted Living Facilities