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Non-QM Loans β€” Flexible Financing
Beyond Traditional Guidelines

Not every borrower fits the conventional mold. Our Non-QM loan programs are designed for self-employed, foreign nationals, investors, and borrowers with unique financial situations.

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Our Non-QM Loan Programs

Choose from a wide range of flexible loan solutions tailored to your unique financial situation.

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DSCR

Min. FICO 620Up to 80% CLTV

Close DSCR loans with fast turn times

  • Credit for DSCR >1.25
  • No income, no employment
  • Short-term rentals up to 80% CLTV
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12/24 Month Bank Statement

No Score or FICO 620Up to 90% CLTV

A perfect fit for self-employed borrowers

  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Concierge service for income calculation
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ITIN

Min. FICO 660Up to 70% CLTV

Expand your mortgage portfolio for borrowers without an SSN

  • Min FICO 660 and up to 70% CLTV for Super Prime
  • Min FICO 700 and up to 70% CLTV for Prime
  • Loan amounts up to $1.5 million
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WVOE

No Score or FICO 620Up to 80% CLTV

A loan solution for salaried borrowers with no tax returns

  • Bank statements not required up to 70% LTV
  • Min. 3 months of reserves
  • No tax returns required
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Asset Utilization

Min. FICO 620Up to 80% CLTV

An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed

  • Qualifying assets / 60 months
  • Min. 3 months of reserves
  • Loan amounts up to $4 million
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Foreign National DSCR

No Score or FICO 660Up to 75% CLTV

Qualify foreign nationals seeking investment properties with minimal documentation and fast closings

  • Loan amounts up to $3 million
  • Cash-out allowed
  • DSCR <1 requires min FICO 680 or no FICO
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1Y + 2Y P&L

Min. FICO 660Up to 80% CLTV

The easiest alternative solution for self-employed borrowers

  • P&L reviewed by licensed CPA, CTEC registered preparer, or IRS enrolled tax agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million
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1Y or 2Y Full Doc Non-QM

No Score or FICO 620Up to 90% CLTV

A flexible Non-QM solution for full doc borrowers

  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied
  • Min. 3 months of reserves
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1099

No Score or FICO 620Up to 85% CLTV

An ideal loan for sole proprietors or contract individuals

  • 1099s for the last 1 year
  • 1-year history with the same employer
  • Gift funds allowed
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Foreign National Full Doc

No Score or FICO 660Up to 75% CLTV

Qualify foreign national borrowers with overseas income

  • Loan amounts up to $3 million
  • Overseas assets allowed
  • RON allowed
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Not Sure Which Non-QM Program Fits You?

Let us match you with the right loan program based on your income, credit, and goals β€” no obligation required.

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