Self-employed, investor, or unique income situation? Non-QM loans offer bank statement, DSCR, asset-based, and other flexible options when conventional and government programs do not fit.
When traditional underwriting does not tell your full story, Non-QM programs create a path forward.
Qualify with 12 or 24 months of deposits instead of tax returns — built for self-employed borrowers.
Finance rentals based on property cash flow, not personal W-2 income or tax returns.
Use liquid assets, investments, or retirement accounts to help qualify when income is complex.
Alternative credit, recent events, and unique situations reviewed with more underwriting flexibility.
Compare common Non-QM options and find the program that matches how you earn and invest.
| Loan Type | Best For | Documentation | Typical Down | Property Use |
|---|---|---|---|---|
| Bank Statement | Self-employed | 12–24 mo deposits | 10–20% | Primary / 2nd / Inv |
| DSCR | Investors | Lease / rent analysis | 20–25% | Investment |
| Asset-Based | High-asset borrowers | Asset statements | 15–25% | Primary / 2nd / Inv |
| P&L / CPA | Business owners | P&L + CPA letter | 10–20% | Primary / 2nd / Inv |
Non-QM is built for borrowers whose income, assets, or credit story does not fit standard QM boxes.
Business owners and freelancers can often qualify using deposit history or CPA-prepared statements instead of tax returns that understate cash flow.
Ideal for scaling a rental portfolio
Get answers to common questions about Non-QM loans
Tell us your situation — self-employed, investor, or unique income — and we will match you with the right Non-QM option.
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