Loan Programs
Non-Recourse Loans
Leverage for investment real estate with no personal guarantee, nationwide.
Our flagship product: leverage for income-producing real estate held in a retirement account or business entity, with no personal guarantee. The loan is made to your IRA, Solo 401(k), or entity and secured only by the property — not by you.
What makes a loan “non-recourse”
In a recourse loan, the lender can pursue your personal assets if the loan defaults. In a non-recourse loan, the property is the lender’s only collateral. For retirement accounts this isn’t optional — the IRS prohibits your IRA or 401(k) from pledging your personal assets, so any leverage they take on must be non-recourse. See exactly how non-recourse lending works →
How we underwrite
Because there is no personal guarantee, we underwrite the property and its cash flow rather than your personal credit or income. The number that drives approval is DSCR — the property’s rent relative to its payment. Meet our 1.25 baseline at up to 70% LTV and the path is clean; come in below it and it’s a conversation, not an automatic no — exceptions get reviewed.
Who uses non-recourse loans
- Self-directed IRA and SEP IRA investors growing buying power inside a tax-advantaged account.
- Solo 401(k) plans — often the most tax-efficient route to leveraged real estate.
- LLCs and business entities financing non-owner-occupied (investment) property.
Check your eligibility in two minutes
See where your IRA, SEP, or Solo 401(k) stands for a non-recourse investment-property loan -- in under two minutes.
The Check Eligibility tool gives self-directed retirement investors a fast, honest read on whether a non-recourse loan fits their account and their target property. A non-recourse loan is what lets an IRA or Solo 401(k) borrow without the account holder personally guaranteeing the debt -- a requirement when retirement funds are the borrower.
Answer a few questions about your account type, balance, and the property, and you will get a plain-language verdict plus a likely loan range, with a clear next step. Nothing here is a credit decision -- it is a starting point built on the same guidelines our officers use.
See where you stand before you talk to anyone. Every result points to a next step.
We will remember your info on this device to save you time. Not you? Clear my info
How it works
- Tell us your account type (IRA / SEP or Solo 401(k)) and balance band.
- Describe the property -- type, transaction, state, and estimated value.
- Confirm it is an investment (non-owner-occupied) property, which non-recourse loans require.
- Get an instant read plus a likely loan range based on our 70% LTV baseline.
Why it matters
For retirement-funded real estate, the loan structure matters as much as the property. Because the IRA or 401(k) -- not you -- is the borrower, lenders look to the asset and the account rather than your personal income.
Knowing early whether your account type, balance, and property line up with non-recourse guidelines saves weeks and lets you shop with realistic numbers. It also surfaces tax considerations like UBIT / UDFI, which differ between IRAs and Solo 401(k)s.
How to read your result
Likely eligible means your inputs fit our standard guidelines and an officer can move quickly. Likely a conversation or Conditional does not mean no -- it flags something (a smaller balance, a restricted property type, or owner-occupied use) that a specialist should review.
The likely loan range is an estimate from your property value against our 70% maximum LTV; your actual amount depends on rent, reserves, and full underwriting. Every result routes to Apply because borderline files still get a human review.
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Frequently asked questions
Do I need to personally qualify for a non-recourse loan?
Which account types can use this tool?
Does the property have to be an investment property?
Is the result a loan approval?
My balance is under $100k -- am I out?
Estimates only -- not a commitment to lend; subject to full underwriting.
Frequently asked questions
Is there really no personal guarantee?
Correct — the loan is secured only by the property, so your personal assets are not pledged and your personal credit is not the basis for approval.
What credit score do I need?
We underwrite the asset and its cash flow rather than your personal FICO. Property DSCR and LTV drive the decision.
What is the maximum leverage?
Up to 70% LTV against a 1.25 DSCR baseline, with about six months of PITIA reserves.
Ready to see where you stand?
Estimates and guidelines only — not a commitment to lend; all loans subject to full underwriting. Business-purpose / investment-property financing only. Educational information, not legal or tax advice.