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1099 Only Mortgages, Lenders and Loans

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Mortgage Pre-Qualification Form – No Credit Check

Plaza Home Mortgage

Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with a business that operates with a lower expense factor we will still accept an accountant expense letter as an alternative.* Non-Permanent Residents: Temporary Protected Status (TPS) must be verified on the USCIS website. Note: This expense factor update

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03/25/2025 07/25/2025

Solve Mortgage

Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite you to explore our flexible guidelines and determine if they align with your requirements. Alt Doc (12 months): One Year W2’S or One Year Tax Return or 1099 Qualify Using Previous Year Income Wage Earner: W2 + YTD Paystub Self-Employed : YTD P&L Up to 90% LTV Additional information on this lender coming soon!

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10/30/2024 11/19/2025

Clear Edge Lending

ClearEdge Lending is a wholesale lender specializing in Non-QM (non-qualified mortgage) products, known for both originating and securitizing loans as a true end-investor since 2015. They stand out with an extensive and innovative program portfolio—ranging from bank statement loans and DSCR to asset depletion, ITIN, and their unique Flex Connect solution.

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10/23/2024 08/24/2025

ACC Mortgage

Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.

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10/11/2024 06/26/2025

Acra Lending

Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor Cash Flow / DSCR (investor) ITIN (investor) Non-QM Niche (Non-QM/investor) Jumbo Non-QM (Non-QM Portfolio) ATR-In-Full (investor) Business Purpose Condotel Interest Only 1099 Only P&L (Profit And Loss) WVOE (written verification of employment) Mortgage Pre-Qualification Form – No Credit Check

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08/19/2024 09/28/2025

AD Mortgage

AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet debt service coverage ratio (DSCR) requirements, this program offers a hassle-free path to securing financing. Mortgage Pre-Qualification Form – No Credit Check 12 and 24 Month Bank Statements Flexible Qualification for Self-Employed Borrowers Self-employed borrowers qualify with either 12

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06/22/2024 07/25/2025

Jumbo Non-QM – Bank Statements or 1099 Only

Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5 million using 12–24 months of personal or business bank statements to document income, perfect for complex or unconventional financial profiles.

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08/05/2021 12/11/2025

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Non-Prime Mortgages

Non-Prime Wholesale Lenders

Non-Prime Lending

Non-Prime Bank Statement Mortgages

Non-Prime Wholesale Lenders

DSCR Mortgages

Non-Prime 1099 Only Loans

Non-Prime Loan Programs

Credit Score Tools

Second Mortgages

Bank Statement Second Mortgages

Second Mortgage Niche Loans

Stated Income Mortgages

Non-QM Lenders and Loans