No Doc/ARV...Does It Exist?

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Please excuse my ignorance. I am just getting started, so please be gentle. LOL!

I just spoke with a lender today, that was checking on a No Doc loan for me.
We seemed to have miscommunicated somewhere along the line because she did not realize that I needed to capture my holding costs, closing costs, and rehab costs within the loan. She presented a 90% No Doc based on my offer.
Once we straightened out our communication gap, she said that she was
going to try to find a loan that would fit my needs.
She will get back with me on Monday.

The property is listed at $44,900.
I offered $37,500.
Rehab costs are approx. $15,000.
I figured approx. $4500 for 6 months holding costs.
So, I am figuring on a loan for approx. $60,000.
The Comps for the neighborhood are at $85,000+.

I prefer No Doc because my credit is excellent, but my asset to liability
and income is not good.

Is there such a thing as No Doc based on ARV?

If someone knows of, or can offer, such please respond.

Thanks.