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.
Program Flyers
Latest Non-QM Insights
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Bank Statement Loans: A Smarter Path for Self-Employed Buyers
Learn how bank statement loans can help self-employed San Gabriel Valley borrowers qualify using 12–24 months of bank deposits instead of tax returns. Want to know how this affects your own loan options? Call Radlam Thai at (626) 649-1289.