--- title: Non-QM Investor Loans | More Ways to Qualify | Surest Capital Company description: "Surest Capital offers more ways to qualify for investment property financing — DSCR, bank statement, P&L, full-doc, asset depletion, and foreign national programs on 1-10 unit property. NMLS #2640412." --- Surest Capital Company · NMLS #2640412 · Business-Purpose Lending Request a loan: [(213) 867-4223](tel:+12138674223) [**Surest Capital** Commercial Real Estate Finance](https://surestcapital.com/?hsLang=en) [Home](https://surestcapital.com/?hsLang=en) [Loan Services](https://surestcapital.com/commercial_real_estate_loans?hsLang=en) [Non-QM](https://surestcapital.com/non-qm?hsLang=en) [ALF/RCFE](https://surestcapital.com/alf-rcfe-loans?hsLang=en) [About](https://surestcapital.com/about-us-1?hsLang=en) [Contact](https://surestcapital.com/contact-us?hsLang=en) [Brokers](https://surestcapital.com/brokers?hsLang=en) [Originate](https://surestcapital.com/originate?hsLang=en) [Submit a scenario](https://surestcapital.com/non-qm#scenario) Investor Non-QM # Most investors need more ways to qualify. More than one path to yes: - 1\. The property’s DSCR - 2\. Your P&L statement - 3\. Your trailing 12 or 24-month bank statements - 4\. Full documentation, including tax returns - 5\. Asset depletion - 6\. Foreign national programs [Submit a scenario](https://surestcapital.com/non-qm#scenario) [(213) 867-4223](tel:+12138674223) Ways to qualify ## Six paths to a yes. However you earn and however the deal is structured, there’s likely a path that fits. Tap any path for detail. ### [01 The property’s DSCR Qualify on the rental cash flow — no personal income needed. See detail ↓](https://surestcapital.com/non-qm#dscr) ### [02 Your P&L statement A profit-and-loss statement stands in for tax-return income. See detail ↓](https://surestcapital.com/non-qm#pl) ### [03 Bank statements Your trailing 12 or 24 months of deposits tell the story. See detail ↓](https://surestcapital.com/non-qm#bankstmt) ### [04 Full documentation Tax returns and full docs, when that’s the strongest path. See detail ↓](https://surestcapital.com/non-qm#fulldoc) ### [05 Asset depletion Qualify on the balance sheet instead of monthly income. See detail ↓](https://surestcapital.com/non-qm#assetdep) ### [06 Foreign national Programs built for investors based outside the country. See detail ↓](https://surestcapital.com/non-qm#foreign) 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. 01 Qualify on cash flow ## DSCR — the property pays for itself. 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. - Qualify on the property's rental cash flow - No personal income or employment documentation - Held in an LLC or other entity - Short-term and non-traditional rental income 02 Qualify on deposits or documents ## Bank statement, P&L & full-doc. 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. - Bank statement programs (12–24 months) - Profit-and-loss programs for the self-employed - **Full documentation, including tax returns**, when it qualifies best - Business owners, contractors, and commission earners 03 Qualify on assets or profile ## Asset depletion, foreign national & more. 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. - Asset depletion — qualify on the balance sheet - Foreign national programs for overseas investors - Non-traditional and thin-credit profiles considered - Cash-out refinances to fund the next acquisition [Submit a scenario](https://surestcapital.com/non-qm#scenario) Next step ## Not sure which path fits? 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. [Submit a scenario](https://surestcapital.com/non-qm#scenario) [Call (213) 867-4223](tel:+12138674223) ### Ways to qualify - DSCR — property cash flow - Bank statement & P&L - Full documentation - Asset depletion - Foreign national For brokers ## Bring the deal. We'll execute. 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. [Register as a broker](https://surestcapital.com/brokers?hsLang=en) [Submit a scenario](https://surestcapital.com/non-qm#scenario) ### Broker access - Sign up once for full-suite access - Submit and place your deals - Price your scenario across programs - Keep your client relationship 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. Submit a scenario ## Let’s make it real. Send the property and how you earn. We’ll tell you which qualification path fits and what terms are realistic. - No application and no credit pull at this stage - No upfront fees — we’re compensated at closing - A straight answer, including an honest no Prefer to talk? [Call (213) 867-4223](tel:+12138674223)  ·  [Text us](sms:+12138674223) #### Surest Capital Company A commercial real estate finance advisory. We arrange financing across the capital stack — we do not fund or service loans. All loans subject to credit approval and applicable law. Looking for a home loan on a primary residence? Consumer-purpose residential mortgages are handled by our sister company, [Surest Loans ↗](https://www.surestloans.com) #### Loan Services [Agency & Multifamily](https://surestcapital.com/commercial_real_estate_loans#agency) [Bank & Portfolio](https://surestcapital.com/commercial_real_estate_loans#bank) [Investor Non-QM](https://surestcapital.com/commercial_real_estate_loans#nonqm) [Bridge & Construction](https://surestcapital.com/commercial_real_estate_loans#bridge) [CMBS & Life Company](https://surestcapital.com/commercial_real_estate_loans#cmbs) [ALF & RCFE Financing](https://surestcapital.com/alf-rcfe-loans?hsLang=en) #### Company [About](https://surestcapital.com/about-us-1?hsLang=en) [Contact](https://surestcapital.com/contact-us?hsLang=en) [Submit a scenario](https://surestcapital.com/non-qm#scenario) [Privacy Policy](https://surestcapital.com/privacy-policy?hsLang=en) #### Get in Touch 1223 Wilshire Blvd #980 Santa Monica, CA 90403 [(213) 867-4223](tel:+12138674223) [Sales@SurestCapital.com](mailto:Sales@SurestCapital.com) **Surest Capital Company · NMLS #2640412** Business-purpose loans on investment and commercial property. Not for consumer-purpose or primary-residence transactions. All terms subject to underwriting approval, property eligibility, and program availability. Program guidelines are indicative, subject to change without notice, and do not constitute a commitment to lend. Pricing quoted per scenario. Not available in all states. © 2026 Surest Capital Company. All rights reserved.