Get a scenario solution fast.
Stuck deal? Low DSCR, tricky income docs, tight timeline — send us the numbers and a NonQM Rates specialist will structure it, typically same business day.
Built for deals banks decline
Borrowers, realtors, brokers, and investors send us scenarios every day. Here's what happens after you hit submit:
- Expert structuring. A Non-QM specialist reviews your numbers and matches the right program — DSCR, bank statement, 1099, asset depletion, bridge, or HELOC.
- Fast response. Most scenarios get a same-business-day answer. Time-sensitive deal? Call 949-241-9489.
- We specialize in the deals banks decline. If conventional guidelines killed your file, alternative documentation may bring it back to life.
Selling loans on the secondary market? We purchase Non-QM loans too — submit the scenario and ask about our correspondent options. NMLS #7861.
Submit your deal scenario
60 seconds. No obligation. NMLS #7861.
Common scenarios we structure
Most scenarios that land on our desk fall into a handful of patterns. The borrowers below are fictional and the details are simplified, but the structure is real — this is how a Non-QM specialist thinks through a deal. Guidelines vary by investor and are subject to change, so treat these as illustrations of how we work, not commitments to lend.
Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026
The self-employed borrower whose tax returns don't tell the story
Illustrative example — not a quote or commitment to lend.
A contractor in Arizona applies at his bank. His tax returns show modest income after legitimate business write-offs, so the bank declines him — even though his bank deposits tell a different story. His scenario gets restructured around months of personal and business bank statements: consistent deposits become qualifying income under a bank statement loan with No Tax Returns Required documentation. The specialist pairs that income story with reserves and credit history, matches the right program, and delivers a structured answer — usually the same business day.
Sound like you? Submit your scenario or call 949-241-9489.
The investor whose rental income should speak for itself
Illustrative example — not a quote or commitment to lend.
An investor in Texas owns a single-family rental with steady monthly rent. A recent job change makes conventional income verification messy, but the property's numbers are clean: the rent covers the full monthly housing payment. So the deal is qualified on the property's own cash flow — the debt service coverage ratio — under a DSCR loan, without personal income documentation. The specialist confirms the rental income, sizes the structure to the property, and moves the file forward.
Buying or refinancing a rental? Run your scenario or call 949-241-9489.
The 1099 earner with strong income and no W-2
Illustrative example — not a quote or commitment to lend.
A freelance consultant in Florida earns well on 1099 contracts but has no W-2 — which stalls her bank application before it starts. Her file is rebuilt around her documented 1099 income history and bank deposits: independent-contractor earnings, averaged over the documented period, become qualifying income under a 1099 / self-employed program. The specialist verifies the income trail, matches the investor whose guidelines fit, and delivers a path to close.
Paid on 1099? Tell us your scenario or call 949-241-9489.
