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Non-QM Loan Programs

Detailed mortgage guidance for real borrower scenarios.

Choose a program to understand who it may fit, how the review works, common documentation, important considerations, and the right next step.

Rental home with a house-for-rent sign representing DSCR investor financing

Investor financing

DSCR Loans

A Debt Service Coverage Ratio loan reviews the property’s qualifying rental income against its qualifying housing expenses.
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Rental property renovation project representing DSCR cash-out refinance

Investor financing

DSCR Cash-Out Refinance

Replace an existing rental-property loan and access rental-property equity with qualification based on property cash flow.
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Modern vacation rental home with a swimming pool representing short-term rental DSCR financing

Investor financing

Short-Term Rental DSCR

Review short-term rental income, seasonality, property expenses, and investor structure.
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Multi-unit apartment building representing multi-family DSCR financing

Investor financing

Multi-Family DSCR

Connect unit count, leases, market rents, expenses, property condition, value, and loan structure.
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Self-employed borrower reviewing financial documents for a bank statement loan

Income documentation

Bank Statement Loans

Review eligible deposits over an established period to estimate qualifying income for self-employed borrowers.
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Business records and laptop representing a business bank statement mortgage review

Income documentation

Business Bank Statement Loans

Use business account deposits when revenue enters the business before it appears on a personal paystub.
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Independent professionals in a coworking environment representing 1099 income

Income documentation

1099 Income Loans

Help independent contractors present recurring nonemployee compensation without forcing a standard W-2 file.
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Calculator and business financial reports representing a profit and loss mortgage review

Income documentation

Profit and Loss Loans

Use a properly prepared profit-and-loss statement when it gives the cleanest view of current business performance.
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Borrowers reviewing financial documents and available assets

Assets

Asset Depletion Loans

Calculate qualifying income from eligible verified assets for borrowers with strong reserves.
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Passport and travel documents representing foreign national U.S. property financing

Specialty

Foreign National Loans

Finance eligible U.S. property when a borrower lives abroad and does not fit standard domestic lending boxes.
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Modern modular housing units representing modular home financing

Property type

Modular Home Loans

Review modular homes built in sections and completed on a permanent site under applicable requirements.
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Rental housing concept representing no-ratio investor financing

Investor financing

No Ratio Investor Loans

Review investor scenarios when the property or borrower does not fit a standard DSCR threshold.
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Mortgage application documents representing an expanded-credit Non-QM review

Specialty

Expanded Credit Non-QM Loans

Look at the full borrower and transaction when a standard agency credit box does not capture the scenario.
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Mortgage professional and borrower completing a second mortgage review

Home equity

Closed-End Second Mortgages

Provide a lump-sum junior-lien loan without replacing an existing first mortgage.
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Home improvement work representing a HELOC second-lien use

Home equity

HELOC Second-Lien Loans

Open-end line secured by the home where eligible borrowers can draw and repay over time.
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