Where the Non-QM shelf reaches
Business-purpose Non-QM lending extends well past the states where we originate consumer loans. This is the supplied coverage list — 32 jurisdictions across the contiguous United States. Contiguous U.S. shown; Alaska and Hawaii are not in the supplied coverage.
What we offer in these states
Our Non-QM shelf travels across every jurisdiction on this page: DSCR loans for rental investors, bank statement loans for the self-employed, 1099 loans for contract earners, ITIN loans for borrowers without a Social Security number, and foreign national loans for non-resident investors — alongside no-ratio, asset utilization, bridge, and second-mortgage options. Guidelines vary by investor and are subject to change; call 949-241-9489 for current terms. NMLS #7861.
Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026
Licensed states — consumer & business-purpose
In these five states we originate both consumer and business-purpose Non-QM loans.
Our five licensed states, in brief
Arizona
Phoenix and Tucson growth markets draw both cash-flow investors and self-employed borrowers relocating for a lower cost of living. Strong rental demand makes DSCR a natural fit for investors, while the state's growing freelance economy keeps bank statement and 1099 programs busy. We originate consumer and business-purpose Non-QM loans in Arizona — see Arizona programs.
California
High home values and deep investor activity — from Los Angeles rentals to Bay Area borrowers whose tax returns don't reflect their real income. Bank statement, 1099, and asset utilization programs do heavy lifting here, alongside DSCR for rental investors. We originate consumer and business-purpose Non-QM loans in California — see California programs.
Florida
A magnet for landlords and second-home buyers, with strong rental demand across its metros. Insurance costs and investor concentration shape deal structure, so Non-QM flexibility matters — DSCR for investors, plus bank statement and foreign national programs for a diverse buyer base. We originate consumer and business-purpose Non-QM loans in Florida — see Florida programs.
Georgia
The Atlanta metro offers investors cash-flow-friendly entry points compared with coastal markets, attracting portfolio builders. DSCR loans fit the rental playbook; self-employed borrowers turn to bank statement and 1099 programs where conventional documentation falls short. We originate consumer and business-purpose Non-QM loans in Georgia — see Georgia programs.
Texas
Landlord-friendly and cash-flow oriented, Texas is a core DSCR state — from Dallas–Fort Worth to Houston and Austin. A large self-employed and contractor workforce also drives demand for bank statement and 1099 qualification. We originate consumer and business-purpose Non-QM loans in Texas — see Texas programs.
Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026
Business-purpose only
In these jurisdictions our Non-QM programs are available for business-purpose loans only — not for personal, family, or household use.
Business-purpose loans only — not for personal, family, or household use. Coverage is subject to investor approval and applicable state requirements.
Verify before relying on this. This page reflects a supplied coverage list, not independently verified investor approvals, licensing, or exemptions, and it is not a commitment to lend.
Investing in one of these states?
Run your scenario or talk to a human — tap to call 949-241-9489.
Check My EligibilityCheck your eligibility in 60 seconds
No obligation. 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.
