NINJA Program



You have been invited to take advantage of PhoneOps No Income, No Job, No Assets Program, (NINJA Program). This wonderful program is designed for Investors that:

Doesn't have or want
to use Tax Returns

Doesn't have or want
to show employment info

Doesn't have or want
to use 1099's


Don't want to provide
your P & L's

Don't want to provide
a bunch of Bank Statements

Want to provide less paperwork as possible


If you fall into at least one of the above, then our program is great for you. PhoneOps NINJA Program is an awesome program and is getting more popular by the day.


This program has specific guidelines. View below:

As low as 600 FICO

Non Owner Occupied Only!

Max 80% LTV
based on DSCR


Down payment must be
seasoned for 30 days

Minimum Loan Amount:

Maximum Loan Amount:
$5 Million

3yr-10yr Arm, Fixed & IO Available

1-4 Units, Townhomes, Warrantable & Non Warrantable Condos

Close as quickly as 8 days!



* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $45

* Passport or Driver's License

* A Checking Account

* A valid Social Security Card



We are extremely busy with our awesome programs so our time is limited. Only complete this online application if you are really serious in PhoneOps NINJA Program and ready to move forward after completion. Once your application has been submitted, you'll be re-directed to our Check List Page. There you'll go to and download the NINJA Check List and start uploading your documents to our site. We'll work hard in getting you pre-approved then assign you to a Licensed Real Estate Agent for showing in a timely manner.

"PhoneOps NINJA Program" Online Application



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