Mortgage Financing Outside the Box
Non-QM loans are designed for borrowers who don't fit conventional guidelines — self-employed investors, high-net-worth individuals, and portfolio builders.
What Are Non-QM Loans?
Non-Qualified Mortgage (Non-QM) loans are alternative financing programs that don't follow the strict income documentation rules of conventional loans. They're ideal for self-employed investors, real estate professionals, and high-net-worth borrowers whose tax returns don't reflect their true financial picture.
"Your tax returns don't tell the whole story. We look at the full picture."
Bank statements, rental income, assets — multiple paths to qualification for borrowers who don't fit the conventional mold.
Non-QM Loan Options
Bank Statement Programs
Qualify using 12–24 months of personal or business bank statements instead of tax returns.
DSCR Loans
Investment property qualification based on rental income — no personal income required.
Asset Depletion
Use liquid assets to qualify — ideal for retirees and high-net-worth investors.
1099 Income Programs
Qualify using 1099 income for self-employed and gig economy borrowers.
Foreign National Loans
Financing for non-US citizens purchasing Florida investment properties.
Recent Credit Events
Programs available for borrowers with recent bankruptcies, foreclosures, or short sales.
How Non-QM Qualification Works
Identify Your Income Type
Bank statements, rental income, 1099s, or assets — we find the right documentation path.
Program Match
We match your profile to the best non-QM program across our network of lenders.
Streamlined Underwriting
Non-QM underwriting focuses on the full financial picture, not just tax returns.
Close with Confidence
Clear-to-close in 14–21 days with a loan structure built for your situation.
Common Questions
Don't Fit the Conventional Box?
Non-QM loans are built for borrowers like you. Let's find the right program.
No obligation. I'll respond within one business day.