Non-QM Loans
Not every borrower fits the traditional W-2-and-tax-returns mold — and that’s okay. Non-QM (non-qualified mortgage) loans use alternative ways to verify income and qualify, opening the door for self-employed borrowers, investors, and anyone with a unique financial picture.
Who It’s For
- Self-employed borrowers and business owners
- Real estate investors
- Foreign nationals buying U.S. property
- Borrowers with significant assets but limited traditional income
Non-QM Options I Offer
- Bank Statement loans — qualify with 12–24 months of bank statements instead of tax returns
- P&L (Profit & Loss) loans — CPA-prepared profit & loss statements for self-employed borrowers
- ITIN loans — for borrowers with an Individual Taxpayer Identification Number
- DSCR loans — investor loans qualified on the property’s rental income (debt service coverage ratio), not your personal income
- WVOE (Written Verification of Employment) — employer-verified income without tax returns
- 1-Year 1099 program — qualify with just one year of 1099 income
- Jumbo loans — high-balance financing above conforming limits
- Foreign Nationals — financing for non-U.S. citizens purchasing U.S. real estate
- Asset Depletion — qualify based on liquid assets rather than income
- No Ratio — no income disclosed on the application
- No Income / Employment / DTI — investment-property loans with minimal documentation
- Non-Warrantable Condos & Condotels — financing for condos that don’t meet conventional warrantability guidelines
Non-QM guidelines vary widely between lenders — that’s exactly where having a broker pays off. I’ll match your situation to the right program and the right lender.