FastTap Light Doc Investor Mortgage | 30-Year Asset-Based Loan
FastTap Loan
Fast 30-Year Light Doc Investor Mortgage for Residential & Commercial Real Estate – No Minimum Credit Score Required
FastTap helps real estate investors to purchase, refinance, or cash out residential and commercial properties with an easy-close investment property loan - faster and simpler than banks.
Built for equity-rich investors seeking flexibility and fast access to capital. A no tax return mortgage for investors:
• Facing upcoming loan maturity or balloon payment deadlines
• Recently discharged from bankruptcy or avoiding foreclosure with a light doc investor mortgage
• Experiencing low DSCR or cash-flow gaps but owning high-equity properties
• Managing properties with limited ownership history while seeking an asset-based 30-year investor loan
• Behind on payments but looking to reset with a 30-year rental loan no income docs structure
• Received a notice of default and need a fast, easy-close investment property loan to regain stability
The FastTap loan delivers speed, simplicity, and flexibility - a light doc investor mortgage that lets serious investors move quickly and confidently.
Start Here
We’ll need your basic info to follow up fast.
Secure. Private. Confidential. We safeguard your information.
FastTap helps real estate investors purchase, refinance, or cash out residential and commercial properties with an easy-close investment property loan - faster and simpler than banks.
Built for equity-rich investors seeking flexibility and fast access to capital. A no tax return mortgage for investors:
• Facing upcoming loan maturity or balloon payment deadlines
• Recently discharged from bankruptcy or avoiding foreclosure with a light doc investor mortgage
• Experiencing low DSCR or cash-flow gaps but owning high-equity properties
• Managing properties with limited ownership history while seeking an asset-based 30-year investor loan
• Behind on payments but looking to reset with a 30-year rental loan no income docs structure
• Received a notice of default and need a fast, easy-close investment property loan to regain stability
The FastTap loan delivers speed, simplicity, and flexibility - a light doc investor mortgage that lets serious investors move quickly and confidently.
Key Advantages
Light Doc, Asset-Based Investor Loan Benefits
Key Advantages - Light Doc, Asset-Based Investor Loan Benefits
Best Alternative to Hard Money: A 30-year rental loan with no income docs or balloon payments - long term stability meets investor agility
No Minimum FICO Score: Apply confidently - FastTap reviews the property, not the paperwork, making it ideal for borrowers seeking a no income verification 30-year rental loan
Competitive Rates: Enjoy better pricing than typical hard money options while keeping the simplicity of a no tax return mortgage for investors
No Ownership Seasoning: Designed for buy-and-hold investors who need an asset-based 30-year investor loan to unlock or reposition equity fast
Flexible Term Options: Choose from a 3-year fixed or 30-year fixed term, both amortized over 30 years - flexible structures for every investor strategy
Eligible Property Types
Eligible Property Types
Investor 1-4
(SFR, Condo, and 2-4 Units)
Multi-Family
(5+ Units)
Mixed-Use
Combos of commercial and residential
Commercial
Office, retail, warehouse, self-storage, automotive, and more
Who This Is For
Who This Is For
Equity-Rich Property Owners: Tap into your existing value with an asset-based 30-year investor loan to fund new deals or unlock liquidity fast
Non-Income Producing Properties: Income not required - qualify for a 30-year rental loan based on equity and asset strength
Credit-Challenged Borrowers: Recent credit events won’t disqualify you. FastTap offers a no tax return mortgage for investors with no minimum FICO
Borrowers Needing Speed: Close faster than banks with a light doc investor mortgage build for time-sensitive scenarios
FastTap loan is your no-nonsense, easy-close investment property loan solution.
Need Cash Out, Fast? We’ve Got You
Need Cash Out, Fast? We’ve Got You
If you’ve got equity, we can help you tap into it fast - whether it's for stabilization, reinvestment, or opportunity. Click below to tell us about the property and your goals. We’ll get terms to you quickly..
Our borrowers are typically . . .
See the Difference:
Fast Tap vs. Others
See the Difference: Fast Tap vs. Others
|
Banks / Private Lenders | |
|---|---|---|
| Time to Close | 3-4 weeks | 4-6 Weeks |
| Min. FICO | No minimum | 620+ |
| Ownership Seasoning | No minimum | 3-6 months |
| Time Since Bankruptcy | No minimum | 1-2 years |
| DSCR Ratio / Cash Flow | No min. on residential. No min. up to $750K on owner-occupied CRE acquisition, up to $500K all other CRE. | 0.75 – 1.30 DSCR required |
| Income Documentation | Not required. FastTap provides a no tax return mortgage for investors. | Tax returns, leases, bank statements, etc. |
| Property Usage | Residential and Commercial | Residential only |
What Our Borrowers Are Saying
“No bank would allow me to access the equity in my free-and-clear shopping plaza due to weak cash flow. With Loantap I was able to tap into that equity for working capital when I needed it most.”
— Eleanor M., Florida CRE Owner
“After a life event damaged my credit, LoanTap allowed me to refinance my hard money loan before the maturity date.”
— Jim K., Ohio Investor
Frequently Asked Questions
What types of properties qualify?
Investor Residential (1-4 units, condos, & Mixed-Use), Multi-family (5+ units), & Commercial Properties including Retail, Office, Warehouse, Self-Storage, Automotive, Daycare, Light Industrial & more. FastTap offers asset-based 30-year investor loans across these categories with flexible qualification requirements. A no tax return mortgage for investors.
Is a hard credit inquiry required?
Yes, FastTap involves a standard credit inquiry, but there is no minimum FICO requirement. Your credit score may affect pricing, but approval is based primarily on the asset, not personal credit.
Do I need personal or property income documentation?
No. FastTap's light doc investor mortgage programs are based on asset strength and equity, not traditional income documentation - perfect for investors needing a 30-year rental loan no income docs structure.
Is this a hard money loan?
No – FastTap is not a hard money loan. It's a low LTV asset-based 30-year investor loan, designed as a better long-term alternative. You'll get longer terms & lower rates, and broader property and borrower flexibility.
What is the maximum loan size?
$5MM - FastTap provides scalable solutions for small and mid-sized investors through its easy-close investment property loan structure.
Tap In With Us Today
Tap In With Us Today
Get the loan you need, when you need it - with FastTap's light doc investor mortgage designed for speed, simplicity, and long-term confidence.
©2025 LoanTap. All Rights Reserved.
Insight Finance Group LLC DBA LoanTap
1100 Brickell Bay Dr.
Miami, FL 33131
(786) 774-0411