Non-Qualified Mortgage Programs
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Non QM
Flexible financing options for self-employed borrowers, real estate investors, and foreign nationals. Browse our top Non-QM loan programs below.
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who don’t meet traditional lending guidelines but still deserve access to competitive financing. These programs are perfect for self-employed individuals, investors, or those with unique income sources like 1099s, bank statements, or asset-based income. With flexible requirements, alternative documentation options, and common-sense underwriting, Non-QM loans open the door to homeownership and real estate investing without the roadblocks of conventional loans.
✅ Foreign Nationals
Flexible financing for international buyers—no U.S. credit needed.
✅ 1099
Qualify using your 1099 income—no tax returns required.
✅ Profit/Loss Statement
Get approved using a P&L statement—no bank statements needed.
✅ DSCR Loans (No Income Verification)
Ideal for investors. We use your rental income to qualify — not tax returns or pay stubs. Close fast with minimal paperwork.
🏡 BANK STATEMENTS
- No tradeline requirement w/ 3 credit scores
- Business or personal 50% standard expense; up to 90% w/ CPA letter
- Non-Perm up to 90% LTV
- Unlimited Cash in Hand
- Cash-out used for reserves
- SFR, Condotels, Condos, 2–4
- Loan amounts up to $4M
- 1 Day Credit Event Seasoning
Min 620 FICO – Up to 90% LTV
🏡 ASSET UTILIZATION
Min 620 FICO – Up to 90% LTV
No tradeline requirement w/ 3 credit scores
Non-Perm up to 80% LTV
Unlimited Cash in Hand
Cash-out used for reserves
SFR, Condotels, Condos, 2–4
Loan amounts up to $4M
100% of checking, savings, & money market; 70% of stocks, bonds, mutual funds
Divide by 84
🏡 P&L ONLY
Min 660 FICO – Up to 80% LTV
No tradeline requirement w/ 3 credit scores
No bank statements
12 or 24 months accepted
Non-Perm up to 80% LTV
Unlimited Cash in Hand
Cash-out used for reserves
SFR, Condotels, Condos, 2–4
Loan amounts up to $4m
🏡 1099 ONLY
Min 620 FICO – Up to 90% LTV
No tradeline requirement w/ 3 credit scores
1 or 2 years – 1099 or transcripts
12/24 month average minus expense ratio
Non-Perm up to 80% LTV
Unlimited Cash in Hand
Cash-out used for reserves
SFR, Condotels, Condos, 2–4
Loan amounts up to $4M
🏡 DSCR Loans
Min 640 FICO – Up to 80% LTV
No deposit sourcing
No DSCR Ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
$1,000,000 cash in hand
SFR, Condotels, Condos, 2–4, 5–8
2 months reserves
Cash-out used for reserves
AIR DNA income accepted
Loan amounts up to $3.5M
Unlimited 30-day lates allowed
Vacant properties allowed
🏡 FOREIGN NATIONAL
No FICO or 680 – Up to 75% LTV
No deposit sourcing
No DSCR Ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
$1,000,000 cash in hand
SFR, Condotels, Condos, 2–4, 5–8
2 months reserves
Cash-out used for reserves
AIR DNA income accepted
Loan amounts up to $3.5M
Unlimited 30-day lates allowed
Vacant properties allowed
