In a perfect world, every borrower fits into the "standard box" defined by Fannie Mae and Freddie Mac. But for entrepreneurs, real estate investors, and high-net-worth individuals, tax returns rarely tell the whole story. Non-QM (Non-Qualified Mortgage) loans exist to bridge this gap, offering flexible underwriting based on common sense, not just W2s.
The Non-QM Portfolio
DSCR Investor Loans
No Income Verification. Qualify based solely on the property's cash flow. If the rent covers the mortgage, you qualify. Ideal for building a rental portfolio without personal DTI constraints.
Bank Statement Loans
For the Self-Employed. Tax returns often minimize income to save on taxes. We look at 12-24 months of business or personal bank deposits to calculate your real cash flow.
P&L Only
CPA Prepared. A streamlined option for business owners. We use a Profit & Loss statement prepared by your CPA or Tax Preparer to determine qualifying income. No tax returns required.
1099 Income
Gig Economy & Contractors. Perfect for realtors, consultants, and freelancers. We use your 1099 forms to qualify, rather than the net income shown on your tax return.
Foreign National
International Investors. Financing for non-US citizens looking to purchase investment property in the United States. Minimal documentation required.
Asset Utilization
High Net Worth. Have significant liquid assets but low monthly income? We can divide your total assets by a set term (e.g., 60 months) to create a "monthly income" for qualification.
ITIN Loans
No Social Security Number. Home financing solutions for individuals working in the U.S. with an Individual Taxpayer Identification Number (ITIN).
Recent Credit Event
Fresh Start. Financing available for borrowers with a recent bankruptcy, foreclosure, or short sale who do not meet the waiting periods for conventional loans.
