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and put down as much as you can,'' Nelson says. ``If the property goes brokerage financial investment lender in value, that belongs to you. If the property goes down, the risk is on the lender. That's a no-lose deal.'' Loan to value (LTV) - Loan Amount / Value of property. Combined loan to value (CLTV). All loans outstanding (i.e. 1st & 2nd) / Value of property. No Income No Asset (NINA) No Income Verification brokerage financial investment lender Income is not verified but many times is "Stated" by the applicant borrower. No Documentation (No Doc) Income or assets are not stated. Typically requires a low LTV and higher
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