Non-QMLending.
Not everyone fits the W-2 mold — self-employed business owners, real estate investors, ITIN borrowers, retirees rich in assets. Non-QM loans qualify you on the real picture: your bank deposits, your property’s cash flow, your assets — not just a pay stub and tax returns.
Turned Down Elsewhere? Let’s Talk.
Traditional (QM) loans lean on W-2s, tax returns, and tidy debt-to-income math. If you write off most of your income, earn through your business, invest in rentals, or bank with an ITIN, that math can work against you — even when you’re more than capable of paying. Non-QM loans look at your finances differently. Same goal, different proof.
Ways We Can Get It Done.
Non-QM isn’t one loan — it’s a family of programs, each built for a situation conventional lending tends to overlook.
DSCR Loans
Qualify on the property, not your paycheck. We use the rental income a home generates — its debt-service coverage ratio — instead of your personal income. Built for investors growing a portfolio.
Bank Statement Loans
For self-employed borrowers and business owners. Instead of tax returns, we qualify you on 12–24 months of bank deposits — so write-offs don’t sink your approval.
Asset Qualifier
Asset-rich, income-light? Qualify based on your liquid assets and reserves rather than monthly income — ideal for retirees and those between ventures.
ITIN Loans
No Social Security number? ITIN borrowers can finance a home using an Individual Taxpayer Identification Number, with common-sense documentation.
1099 & P&L Only
Independent contractors and gig earners can qualify using 1099s or a CPA-prepared profit & loss statement — no traditional W-2 required.
Recent Credit Event
Bankruptcy, foreclosure, or a short sale in the rear-view? Non-QM programs can open a path to financing sooner than conventional waiting periods.
And more — interest-only, jumbo Non-QM, foreign national, and DSCR cash-out. If your situation is one-of-a-kind, that’s exactly what these programs are for. Just ask.
Non-QM Might Fit If…
- You’re self-employed or a business owner who writes off significant income
- You’re a real estate investor who’d rather qualify on rental income than personal income
- You earn through 1099s, commissions, or gig work
- You have strong assets but limited documentable monthly income
- You file taxes with an ITIN instead of a Social Security number
- You’ve had a recent credit event and don’t want to wait years to buy
Non-QM guidelines vary by program and lender, and terms can differ from conventional loans. Tell me your situation and I’ll match you to the right fit — and I’ll tell you straight if a conventional loan would actually serve you better.
Ready to Get Started?
Five minutes to find out what you qualify for. No commitment, no pressure — just real answers about your next move.