04/26/2026
07/14/2026
Non-Qualified Mortgages | A Wealth of Information and Service
Contact a Loan Officer (800) 718-8906
Contact a Loan Officer (800) 718-8906
Non-QM (Non-Qualified Mortgage) lenders provide alternative home loan options, including unconventional mortgages such as no doc (no job and no employment. (income and employment sections are left blank), no ratio, and debt-service coverage ratio (DSCR) loans.
These loans cater to borrowers who may not meet traditional mortgage criteria and allow for alternative income documentation for. Business purpose loans are available for both non-owner-occupied and owner-occupied properties, without the need for Form 4506-C, offering flexibility for various borrowing needs and circumstances.
This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.
Flexible second mortgage programs from Fountain Mortgage: Alt Doc, 1099 Only, Bank Statement, and P&L Only options with CLTVs up to 90%.
Our Portfolio Closed End Second program with Alt Doc, 1099 Only, Bank Statement, and P&L Only mortgage solutions.
Foreign National DSCR loan program for business purpose investment properties. Up to 75% LTV, $3,000,000 loan amounts, and 680+ credit score required.
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Flexible DSCR No Ratio loans up to $3,500,000 with LTVs to 85%. Available for purchases, refinances, and cash-out up to $500K. Eligible for SFRs, condos,
Closed End Second Mortgage / HELOCS Lender Niche Second Mortgage Loan program Update: Updates to the Flex HELOC & CES programs 25 year Closed End
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose
Stated Income Home Loan Program This Stated Income Home Loan program provides flexible financing solutions for owner-occupied properties, allowing borrowers to qualify without traditional income
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal
A No Ratio loan requires your employment to be listed in the income section of the 1003 application, but no ratios are calculated or qualified..
Real Estate Investors & DSCR Loans DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing
Experience Exceptional Non-QM Service with Logan At Logan, customer service isn’t just a department, it’s our commitment to you. With 75 years of experience, we
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime
Change Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Community Mortgage Alt Doc
680 Credit Score to $3,000,000 Loan Amount Our Debt Service Coverage Ratio (DSCR) mortgage loan program is designed for investors, high-net-worth individuals, and self-employed borrowers.
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.
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
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs)
FundLoans offers three DSCR mortgage programs designed for real estate investors, allowing qualification based solely on property cash flow. Unlike traditional loans, these programs don’t
Unconventional Real Estate Investor (DSCR) Loan Program Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors seeking aggressive financing with
AXOS Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Looking for a portfolio mortgage
Our conventional and high balance investment and second home pricing has been very competitive. Alt Doc pricing has also been strong particularly on higher loan
Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements
Loan Stream Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Closed End Seconds
N-QM Funding Offers the Following Loan Programs As a leading prime jumbo mortgage lender, our Flex Supreme loan program offers competitive rates for highly qualified
Oak Tree Funding Offers the Following Loan Programs Oaktree Funding: Your Premier Non-Qualified Mortgage Lender G Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage
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
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on
Lender-Broker Notes Your First Look for Non-QM: Built for real-life borrowers; the self-employed, real estate investors, income diverse and credit-challenged clients. Borrowers that conventional lenders
AD Mortgage | Mortgage Pre-Qualification Form – No Credit Check AD Mortgage Introduces ADVocate, here with extensive experience with assist with Loan process.Brokers are now
Refinancing a jumbo loan? We offer creative jumbo refinance solutions for high-value properties that don’t fit traditional lending guidelines. Whether you’re seeking lower rates, cash-out,
Real Estate Investor Financing Our Investor Purchase Loan Program is designed for real estate investors seeking flexible financing solutions for residential investment properties. Whether you’re
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income making
Alternative mortgage lenders provide flexible financing options tailored to borrowers who may not qualify for traditional loans. These lenders specialize in Non-QM (non-qualified mortgage) products,
Investment Property Cash Out Refinance Loans Investment Property Loans Cash Out – Guidelines and Highlights: Contact a Loan Officer Alternative Income Documentation Contact a Loan
Investment Property Cash Out Loans Cash Out Investment Property Loans – Guidelines and Highlights: Contact a Loan Officer Alternative Income Documentation Contact a Loan Officer
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
Explore our array of Alt Doc Multi-Unit Refinance loan options tailored for real estate investors. For inquiries, reach out to our Customer Service team at
Alternative income and employment documentation investment property purchase loans for both owner-occupied and non-owner occupied for to see, research, and utilize. Call customer Service @
For Investors looking for the right construction loan for their next purchase or refinance loan. Below are actual loan programs we can offer to our
Super Jumbo Construction Loans – Below is a list of some of our “Super Jumbo” Construction loan programs.
Let us know if you have
Below is a list of some of our “Multi Unit” loan programs for both Owner Occupied and Non Owner Occupied borrowers. Questions? Call and speak
Super Jumbo refinance loan program details, qualifying criteria, etc.
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
Guidelines and Highlights: Below is a list of some of our “Investment Property” loan programs. Let us know if you have any questions. Discover your
Below is a list of some of our “Investment Property” Purchase loan programs. Questions? 800-718-8906 to get in touch with a qualified Mortgage Loan Officer.
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
Loan Solutions for Self-Employed mortgage borrowers. Self-employed individuals seeking mortgages often encounter challenges in verifying their employment status. However, various Verification of Employment (VOE) documentation
Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income
Rehab loans are frequently utilized by our Fix-n-flip investor clients, catering to their unique needs in real estate ventures. Our focus extends beyond conventional options,
Real estate investors, discover your pre-qualification options and unlock your potential for success. At our firm, we thrive when you succeed, and we’re committed to
We make non-warrantable condos easy. No reserves needed if LTV is 75% or below, up to 5% deductible allowed (industry max), and 20% single-entity ownership
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
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
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses manual underwriting and in-house credit decisions for real estate investors
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or
Primary Residence Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of primary
Hard Money Below are some of our featured loan programs. Call with questions! (800) 718-8906. Contact a Loan Officer Contact a Loan Officer Last Updated
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional
Interest Only Loans provide borrowers with initial payment flexibility by allowing them to pay only the interest for a set period, typically the first ten
The following Inherited Property Loans do not require the standard 12 months title seasoning.
Questions Talk to a Loan Officer: 800-718-8906.
Hard money loans offer real estate investors valuable financing options with quick approval process and flexible terms. These loans are especially beneficial for investors seeking
Bank statement loans present an advantageous financing avenue tailored for self-employed individuals seeking mortgage options. These loans allow applicants to leverage their bank statements as