Non-QM Loans
What is a Non-QM Loan?
Bank statement loan mortgage solutions tailored for self-employed borrowers vs traditional mortgage qualification frustrates those who are self-employed due to tax write-offs that reduce paper income. Your bank deposits tell the real story of your financial health, not tax returns with significant deductions. Our bank statement loans solve this problem by focusing on your actual cash flow rather than tax returns. You can qualify using just 12-24 months of bank statements, without W-2s or employment verification forms that don’t reflect your true earnings potential. What is a DSCR Loan? A DSCR, or Debt Service Coverage Ratio loan, lets you qualify for a mortgage using the property’s rent roll —not your personal income. Whether you’re growing your portfolio or buying your first investment property, DSCR loans offer flexible financing built for real estate investors. Unlike traditional loans, DSCR mortgages don’t require tax returns, W2s, or job history. If the property’s cash flow covers the debt service (or mortgage payment), you may be eligible. Unlike conventional loans, DSCR loans offer these benefits:
- No income documentation required – no W2s, pay stubs, or employment verification
- Approval based on property cash flow – not your personal DTI or income
- Works with LLCs, corporations, or personal names
- Available for single-family, multi-family, condos, and vacation rentals
If you’re an investor who values speed, flexibility, and privacy, DSCR loans may be your best path to financing. We finance warrantable condos, non-warrantable condos, and condotels (condo-hotels) through a variety of solutions. All condominium transactions must have a completed homeowners’ association (HOA) questionnaire and a valid project approval.