A Non-QM (Non-Qualified Mortgage) is a loan designed for borrowers who don’t fit the traditional lending mold — self-employed individuals, real estate investors, retirees, and anyone whose income doesn’t show up neatly on a tax return. If a conventional lender has turned you down, a Non-QM loan may be the solution.

Yes — that’s exactly what Non-QM loans are designed for. Instead of tax returns, you can qualify using 12 or 24 months of business bank statements, a Profit & Loss statement, or even your liquid assets alone. Your real-world financial picture matters more than what your tax return shows.

Yes — the Asset Qualifier program is built specifically for this situation. If your total assets in the bank, 401K, IRAs, or stock accounts exceed the value of the property you want to purchase, you may qualify with no income calculation required.

Absolutely. The DSCR program lets real estate investors qualify based on the property’s gross rental income rather than personal income — making it ideal for building a portfolio without traditional income documentation. It covers properties up to 10 units.

Both. Non-QM loans are available for purchases, rate-and-term refinances, and cash-out refinances. The Fix & Hold program even allows a cash-out refinance immediately after renovation with no seasoning requirement — so you can pull your equity out and move on to your next project right away.