Non-QM Programs for Diverse Borrowers

Feb 13, 2024

We offer a wide range of non-QM programs designed to cater to the unique needs of individuals and investors. Whether you’re self-employed, a foreign national, or looking for flexible financing options, Borrowers our non-QM loan consultants will find a non-QM program that fits your situation.

Bank Statements

For self-employed individuals who may not have traditional income documentation, our bank statement program allows borrowers to qualify based on their bank statements. This program provides a flexible solution for those with fluctuating income or unique financial situations.


Investors looking to finance multi-family properties can take advantage of our non-QM multi-family program. With competitive rates and flexible terms, this program is tailored to meet the needs of investors seeking financing for properties with two or more units.

Asset Depletion

High-net-worth individuals who have substantial assets but limited income can benefit from our asset depletion program. This program considers the borrower’s assets as a source of income, allowing them to qualify for a loan based on their overall financial picture.

Interest Only

Our interest-only program offers borrowers the option to make interest-only payments for a specified period. This program is ideal for those who prefer lower monthly payments during the initial stages of their loan term.

DSCR (Debt Service Coverage Ratio)

For investors seeking financing for rental properties, our DSCR program evaluates the property’s cash flow rather than the borrower’s personal income. This program is designed to help investors maximize their borrowing potential based on the property’s income-generating potential.


Self-employed individuals who receive income through 1099 forms can take advantage of our non-QM 1099 program. This program allows borrowers to qualify based on their 1099 income, providing a flexible solution for those with non-traditional income sources.

ITIN (Individual Taxpayer Identification Number)

Our ITIN program is specifically designed for borrowers who do not have a Social Security Number but possess an Individual Taxpayer Identification Number. This program opens up financing opportunities for foreign nationals and individuals without a traditional SSN.


Our non-QM condo program offers financing options for borrowers looking to purchase or refinance condominiums. This program considers a broader range of factors beyond the traditional condo guidelines, providing more flexibility for borrowers.

Foreign National

Foreign nationals seeking financing for investment properties or second homes can benefit from our non-QM foreign national program. This program allows borrowers to qualify based on their international credit history and provides a pathway to homeownership in the United States.

Blanket Loans

Investors looking to finance multiple properties under a single loan can take advantage of our non-QM blanket loan program. This program simplifies the financing process and offers flexibility for investors with diverse portfolios.

Professional Investor

Our non-QM professional investor program caters to experienced investors who may have unique financing needs. This program offers competitive rates and terms tailored to the specific requirements of professional investors.

Fix & Flips / Bridge

For real estate investors looking to purchase, renovate, and sell properties quickly, our non-QM fix & flips/bridge program provides the necessary financing. This program offers short-term loans with flexible terms, allowing investors to seize profitable opportunities.

Every borrower deserves access to financing options that suit their individual needs. Our diverse range of non-QM programs opens up opportunities for self-employed individuals, foreign nationals, investors, and those with unique financial situations. Contact us today to explore how our non-QM programs can help you achieve your real estate goals.