More than one path to yes:
However you earn and however the deal is structured, there’s likely a path that fits. Tap any path for detail.
Qualify on the rental cash flow — no personal income needed.
See detail ↓A profit-and-loss statement stands in for tax-return income.
See detail ↓Your trailing 12 or 24 months of deposits tell the story.
See detail ↓Tax returns and full docs, when that’s the strongest path.
See detail ↓Qualify on the balance sheet instead of monthly income.
See detail ↓Programs built for investors based outside the country.
See detail ↓One profile doesn't fit every investor.
A conventional lender has essentially one way to qualify you: tax-return income against a debt-to-income ratio. Real estate investors don't all look like that — some qualify best on property cash flow, some on bank deposits, some on full documentation, some on assets. The advantage of non-QM is choice: we match the qualification method to how you actually earn, instead of forcing every borrower through the same door.
The property's rent covers its debt — that's the qualification. No personal income, no DTI, no employment verification. The most common path for investors scaling a portfolio or holding in an entity.
For borrowers whose income is real but doesn't fit a simple W-2 box, we qualify on bank deposits, a profit-and-loss statement, or full documentation — including tax returns when that's the strongest path. The method follows the borrower, not the other way around.
Some of the strongest borrowers don't show income at all — they show assets, or they're investing from outside the country. Asset depletion qualifies on the balance sheet; foreign national programs open the door to overseas investors. If a conventional lender said no for the wrong reason, there's often a path here.
That's what the scenario is for. Send the property, the loan amount, and how you earn — we'll tell you which qualification path works and what terms are realistic.
Working a non-QM deal for a client? Register as a broker to submit scenarios and price your deal across our full lending suite — you keep the client, we handle execution.
Business-purpose loans on 1–10 unit investment property only. Not for consumer-purpose or primary-residence transactions. Program terms and qualification paths are indicative, vary by borrower and property, and are subject to underwriting approval and program availability. Not a commitment to lend.
Send the property and how you earn. We’ll tell you which qualification path fits and what terms are realistic.
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