What Are Non-QM / DSCR Loans?
Non-QM loans are mortgage options for borrowers who may not fit traditional agency underwriting guidelines. They can be useful for self-employed borrowers, investors, or clients with complex income documentation.
These programs may allow alternative documentation such as bank statements, asset-based qualification, or other flexible review methods.
Key Benefits
- Alternative income documentation options
- Helpful for self-employed borrowers
- Investor-focused program options may be available like DSCR
- Flexible underwriting for complex scenarios
- Bank statement qualification options
- Purchase and refinance use cases
Eligibility Requirements
Documentation
Alternative options
Borrower Type
Self-employed friendly
Property Types
Varies by program
Review
Scenario based
Is a Non-QM Loan Right for You?
A Non-QM loan may be useful if your income, assets, or property scenario does not fit standard conventional underwriting.
- Self-employed borrowers with nontraditional income records.
- Investors seeking flexible documentation options.
- Borrowers with complex financial profiles.
- Clients who need scenario-based mortgage review.
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