Non-QM
No-ratio mortgage
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
Who it is for
Borrowers with significant assets or unique income who do not fit a standard ratio worksheet.
No-ratio programs are a last-mile tool, not a shortcut around fraud or occupancy rules. We use them when assets or the property support the loan and a traditional DTI would misrepresent the file.
Questions
- Is no-ratio the same as no-doc?
- No. Lenders still verify identity, assets, and the property. “No ratio” means DTI is not the qualifying test.
Related programs
- Asset utilization
Convert eligible assets into a qualifying income figure when you live on investments rather than a salary.
- DSCR
Qualify the rental property on cash flow rather than personal DTI.
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.