Buy or invest in real estate — No Tax Returns Required.
NonQM Rates helps real estate investors and self-employed borrowers qualify with rental income, bank statements, and assets — where traditional banks say no.
Which Non-QM Loan Fits You?
Answer 7 quick questions and get matched to the program built for how you earn, buy, and invest.
Take the 60-Second Quiz →Financing for every Non-QM borrower profile
Investors, self-employed business owners, 1099 earners, and equity-rich borrowers — each program below is built for a borrower conventional guidelines leave out.
DSCR Investor Loans
Qualify on the property's rental income alone. No personal DTI, no W-2s, no tax returns.
Learn more →Bank Statement Loans
12 or 24 months of bank deposits document your income — ideal when tax returns understate what you earn.
Learn more →1099 & Self-Employed
Built for contractors, freelancers, and gig-economy earners with strong cash flow but tricky paperwork.
Learn more →Asset Utilization
Qualify on liquid assets — retirement, brokerage, savings — divided into monthly income. Up to 80% purchase.
Learn more →5–8 Unit DSCR
DSCR financing for 5–8 unit residential buildings — $350K to $3M qualified on rental income.
Learn more →No-Ratio Loans
No income disclosed, no DTI calculated — up to 80% LTV for owner-occupied and investor deals.
Learn more →40-Year Mortgage
40-year fixed or interest-only start — lower payments for investors and homeowners.
Learn more →Closed-End Seconds
A fixed second lien, fully funded at closing — up to 90% CLTV without touching your first mortgage.
Learn more →ITIN Loans
Homeownership without an SSN — purchase and cash-out options for ITIN holders, up to 85% LTV.
Learn more →Foreign National
U.S. investment property financing for non-resident borrowers — DSCR programs built for global investors.
Learn more →Bridge & Hard Money
Fast transitional capital for value-add renovations, quick purchases, and ground-up builds.
Learn more →HELOC & Second Mortgages
Tap your equity while keeping a low first-mortgage rate — standalone seconds up to high limits.
Learn more →Flexible Advantage
Low-FICO Non-QM program — 550 FICO with bank statements or 1099s. Recent credit events considered.
Learn more →Business-Purpose Loans
The investor umbrella — DSCR, portfolio, bridge, flip, and construction financing qualified on the deal.
Learn more →Rental Portfolio Loans
One blanket loan across multiple rentals — one payment, qualified on portfolio cash flow.
Learn more →Airbnb & STR Loans
Short-term rental financing qualified on STR income. LLC vesting available.
Learn more →Fix & Flip Loans
Fast rehab capital — close in days, fund draws as you renovate, exit by sale or refinance.
Learn more →Cash-Out Refinance
Pull equity from rentals without selling — qualified on DSCR income, not tax returns.
Learn more →Ground-Up Construction
Build from dirt to done — draw-based construction financing with a clean exit.
Learn more →Have a tough deal? Let's structure it.
Low DSCR, tricky income docs, tight timeline — if a bank said no, bring us the scenario. We specialize in the deals banks decline.
Submit Your Deal ScenarioFrom question to keys in three steps
Tell us your scenario
Fill out the 60-second eligibility form or call 949-241-9489. Investor deal or self-employed income — we hear it all.
Get your program match
A NonQM Rates specialist reviews your scenario and matches you to the right Non-QM program — with plain-English terms, no jargon.
Close and fund
Streamlined Non-QM underwriting means a typical close in 14–21 days. We handle the paperwork; you plan the next move.
Non-QM questions, answered
What is a Non-QM loan?
A Non-QM (non-qualified mortgage) loan uses alternative documentation — rental income, bank statements, or assets — instead of traditional W-2s and tax returns. They're designed for real estate investors, self-employed borrowers, and 1099 earners whom conventional guidelines don't fit.
Do I need tax returns for a DSCR or bank statement loan?
Typically no. DSCR loans qualify you on the property's rental income, and bank statement loans use 12–24 months of bank deposits. Guidelines vary by program and are subject to change — contact us for current requirements.
What credit score do I need?
Our Flexible Advantage program allows a minimum 550 credit score under its program guidelines, using bank statements or 1099s. Other programs set their own minimums, and terms generally improve with stronger credit. Minimums vary by program and are subject to change.
How fast can I close?
A typical Non-QM purchase closes in about 14–21 days once the file is complete, since there's no employer or IRS verification slowing things down. Timelines vary by scenario.
Can I use a DSCR loan for a short-term rental?
Many investors use DSCR loans for long-term rentals, and some programs allow short-term rentals with documented income history. Eligibility depends on the specific program's guidelines — ask us about your property type.
Are Non-QM rates higher than conventional rates?
Non-QM loans are typically priced above conventional rates to reflect flexible underwriting. We don't publish specific rates because they change constantly — contact us for current pricing on your scenario.
Check your eligibility in 60 seconds
No obligation, no hard credit pull to start. NMLS #7861.
Request your scenario review
Want a same-business-day review? Call or text 949-241-9489 — a NonQM Rates specialist will walk through your scenario.
Non-QM loans where you invest
Our full Non-QM lineup — DSCR, bank statement, 1099, ITIN, foreign national, and more — is available as business-purpose financing across all five states below. Pick your state to see what's working there. NMLS #7861.
Arizona
Phoenix and Tucson keep drawing investors and relocating earners. DSCR financing for cash-flowing rentals and bank statement loans for Arizona's self-employed — without the conventional runaround.
Phoenix · Tucson · Mesa · Scottsdale
Explore Arizona programs →California
California's high-cost markets punish conventional borrowers and reward cash-flow investors. DSCR loans, bank statement programs, and 1099-friendly qualification — built for how Californians actually earn and invest.
Los Angeles · San Diego · Riverside · Sacramento
Explore California programs →Florida
Population growth, strong rents, and no state income tax keep Florida among the country's most active investor markets. DSCR and bank statement financing built for how Florida deals actually work.
Miami · Orlando · Tampa · Jacksonville
Explore Florida programs →Georgia
Atlanta keeps drawing investors, relocating earners, and corporate expansions. DSCR financing for cash-flowing rentals and bank statement loans for Georgia's self-employed.
Atlanta · Marietta · Decatur · Sandy Springs
Explore Georgia programs →Texas
No state income tax, landlord-friendly laws, and cash-flowing rentals — Texas is DSCR country. We finance Texas investors and self-employed borrowers that conventional guidelines leave behind.
Austin · Dallas · Houston · San Antonio
Explore Texas programs →Program availability and requirements vary by borrower, property, and state. Not a commitment to lend. · See all 32 business-purpose jurisdictions →
