Non-QM
Bank statements
Qualify using personal or business deposits when tax returns understate cash flow.
- · 12–24 month statements typical
- · Personal or business accounts
- · Self-employed focus
Non-QM
Alternative documentation for self-employed borrowers, investors, and unique income.
Non-QM
1099-only
Use 1099 income without a full two-year tax-return package when the work is contract-based.
- · Contract income
- · No traditional W-2 required
- · Purchase or refinance
Non-QM
DSCR
Qualify the rental property on cash flow rather than personal DTI.
- · Property cash flow, not W-2
- · Purchase or refinance rentals
- · Entity closing often allowed
Non-QM
No-ratio
Asset- or credit-focused executions that do not use a traditional DTI ratio.
- · No personal DTI in many cases
- · Strong assets or credit
- · Select occupancy types
Non-QM
Asset utilization
Convert eligible assets into a qualifying income figure when you live on investments rather than a salary.
- · Assets as income
- · Retirement and brokerage overlays
- · Purchase or refinance
Non-QM
Foreign national
Financing for non-U.S. citizens purchasing or refinancing U.S. residential property.
- · No SSN in many executions
- · Down payment and reserves matter
- · Second home and investment common
Non-QM
ITIN
Residential financing for borrowers who file with an ITIN rather than a Social Security number.
- · ITIN accepted
- · Purchase and refinance
- · Full or alternative docs
Non-QM
Stated income
Limited-income-documentation executions for borrowers who cannot produce a conventional paper trail.
- · Reduced income docs
- · Stronger credit and down payment typical
- · Not a no-review loan
Non-QM
Fix & flip
Short-term capital to acquire, renovate, and exit a residential investment — or bridge to a longer DSCR loan.
- · Short duration
- · Rehab budget in the loan
- · Exit via sale or refinance
Non-QM
Non-warrantable condo
Financing when the condominium project fails agency warrantability tests.
- · Investor concentration OK on many programs
- · New or incomplete projects
- · Litigation overlays vary
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.