No Ratio (NO INCOME)! 20% Down Purchase Primary Residence

No Ratio (NO INCOME)! 20% Down Purchase Primary Residence

Have a deal where the income just will not work? Meet our No Ratio problem solver Solution, our Owner-Occupied, no income, no employment loan from Pineyro Capital Group NMLS# 420112



PCG is uniquely qualified to offer special financing for underserved and diverse borrowers.

No Ratio financing (No Income and No Employment info)

  • Owner Occupied & 2nd home Purchase To 80% LTV, 70% Cash Out
  • Maximum loan $3M / *$2M Maximum Cash in Hand on Refinance
  • 100% Gift Funds for Down and Closing Costs
  • FICOs starting at 660
  • Only 1 bank statement needed for Reserves
  • SFR, Condo, TH, 2-4 Units, 2nd homes



Help is here now for your borrowers who are:

  • Professionals: attorneys, doctors, dentists, CPAs, optometrist, Techs
  • Self-employed
  • Small business owners
  • Cash-based businesses
  • Retired, Disabled or taking time off, unable to document income
  • Strong Asset borrowers

Disclaimer: Pineyro Capital Group Inc., NMLS# 420112, is an equal housing lender. All loan programs are subject to credit approval and property appraisal. Terms and conditions may vary.



Join us at Pineyro Capital Group Inc., NMLS# 420112, where we take immense pride in guiding homebuyers toward their homeownership dreams through a range of mortgage loan options. Boasting over $5 billion in originations, our commitment to excellence shines through personalized service, competitive rates, and streamlined processes tailored to your needs.

Since our establishment in 1998, Pineyro Capital Group Inc. (PCG) has stood as a trusted cornerstone within Florida's lending landscape. With a team boasting over 50 years of combined experience, we've maintained an impressive 98% success rate from loan approval to closing, a testament to our dedication to client satisfaction.

At PCG, versatility is our hallmark. From residential to commercial ventures, we offer an extensive array of loan options, including FHA, FNMA, VA, USDA, and non-QM lending solutions. Whether it's a traditional purchase, refinancing, or specialized products like reverse mortgages and fix-and-flip financing, we cover the full spectrum of financial needs.

Understanding the uniqueness of each financial situation, we prioritize personalized service and customized solutions, building lasting relationships based on trust and reliability. Whether you're a first-time homebuyer, seasoned investor, or business owner, PCG is here to guide you every step of the way.

Reach out to us today via the LINK HERE or call toll-free at 1 (833) 247-5626. Let Pineyro Capital Group Inc. be your partner in achieving financial success with confidence and peace of mind.

Ready to embark on a transformative journey? Join us at Pineyro Capital Group Inc. as a dual-licensed real estate agent and mortgage loan originator. Explore exciting career opportunities and take the first step towards a brighter future with us. With Pineyro Capital Group Inc., the possibilities are limitless.



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Pineyro Capital Group Inc NMLS# 420112 | 11820 Miramar Parkway Suite 110 Miramar, FL 33025 | Main: 833.247.LOAN | Fax: 954.208.0408

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