Non-QM Loan Programs
DSCR
This program helps real estate investors finance their properties by qualifying them based primarily on the cash flow generated by the rent of the investment being purchased.
12/24 Month Bank Statements
By reviewing the income in your 12 or 24 month bank statements this program analyses your cash flow and shows your true income instead of relying on tax returns.
1Y+2Y P&L
These loans allow borrowers to use their business's Profit & Loss (P&L) statements to qualify, bypassing traditional income verification.
1099
Solution for contract and self-employed borrowers that allows them to use only their 1099 forms to report various types of non-employment income received during the tax year.
WVOE
Verifies your income based on a Written Verification of Employment (WVOE) instead of your tax returns. Ideal for borrowers without traditional W-2s or with income who don’t fit standard conventional guidelines
Asset Utilization
Program is for self-employed borrowers, retirees, and investors whose income is hard to document. It lets you use your personal assets, providing more flexible financing options.
