Non-QM Questions, Answered
Straight answers to the mortgage questions borrowers actually ask — written for investors and self-employed borrowers. Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026.
DSCR Investor Loans
What is a DSCR loan and how does it work?
The 60-second explainer: how DSCR loans qualify you on rental income instead of tax returns.
Read answer →What DSCR ratio do lenders require?
What ratio lenders look for, how it's calculated, and what happens below 1.0.
Read answer →Can I get a DSCR loan with no tax returns?
Yes — that's the point. How DSCR underwriting skips personal income documents entirely.
Read answer →Do DSCR loans work for Airbnb / short-term rentals?
Short-term rental income and DSCR: what works, what doesn't, and what lenders want to see.
Read answer →Can I close a DSCR loan in an LLC?
Closing in an entity: which programs allow it and what paperwork it takes.
Read answer →What credit score do I need for a DSCR loan?
Credit's role in DSCR pricing and approval — and what compensates for a lower score.
Read answer →How much down payment do I need for a DSCR loan?
Why there's no single number — and what actually drives the down payment on a rental.
Read answer →Can I use a DSCR loan for a cash-out refinance?
Yes — how seasoning and equity drive the cash-out, and when a HELOC may fit better.
Read answer →Bank Statement Loans
How do bank statement loans work for self-employed borrowers?
Deposits instead of tax returns: how lenders turn 12–24 months of statements into qualifying income.
Read answer →How many months of bank statements do mortgage lenders need?
12 or 24 months? What drives the requirement and when each applies.
Read answer →Do large deposits hurt a bank statement loan application?
Which deposits raise flags, how to document them, and what to avoid before applying.
Read answer →Bank statement loan vs. 1099 loan — which is better for me?
Head-to-head: which documentation path fits your income pattern better.
Read answer →Bank statement loan vs. stated-income loan — what's the difference?
Bank statement loans verify income with deposits; stated-income was the pre-2008 unverified product.
Read answer →1099 & Contractor Income
Can 1099 contractors get a mortgage without tax returns?
Contractors and freelancers: the mortgage paths that don't require traditional tax returns.
Read answer →How is 1099 income calculated for mortgage qualification?
How lenders convert 1099 earnings into qualifying income — and the expense-factor catch.
Read answer →ITIN Mortgages
Can I buy a house with an ITIN number?
ITIN holders can buy homes. How the process works and what to expect.
Read answer →What are the requirements for an ITIN mortgage?
Down payment, credit, and documents: the ITIN mortgage checklist.
Read answer →Foreign National Loans
Can a foreign national get a US mortgage?
Buying US property from abroad: which loan programs actually work.
Read answer →What documents does a foreign buyer need for a US home loan?
The document checklist for foreign buyers — and how to prepare it.
Read answer →Asset Utilization
What is an asset utilization (asset depletion) mortgage?
Qualifying on what you own, not what you earn: how asset depletion math works.
Read answer →Can I qualify for a mortgage based on savings alone?
Retirees and savers: turning bank and investment balances into a mortgage.
Read answer →More Programs
What is a no-ratio mortgage and who uses one?
Stated income, verified assets: who the no-ratio loan is really for.
Read answer →How does a 40-year mortgage work — pros and cons?
Lower payment vs. more lifetime interest: the honest 40-year breakdown.
Read answer →Can real estate investors get a HELOC on a rental property?
Tapping equity on rentals: HELOC options for investors.
Read answer →Closed-end second vs. HELOC — what's the difference for investors?
Fixed second vs. revolving line: which equity tool fits your strategy.
Read answer →How do bridge loans work for real estate investors?
Short-term financing for investors: how bridge loans work and when they make sense.
Read answer →Non-QM Basics
What is a Non-QM loan and who is it for?
The complete primer: what Non-QM means and who it's built for.
Read answer →Why was I denied a conventional loan as a self-employed borrower?
Denied by conventional guidelines? Why it happens and what to do next.
Read answer →Have a scenario? Reading is great; a 60-second eligibility check is better. Check your eligibility, take the 60-second quiz, or call 949-241-9489 (NMLS #7861).
