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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
Frequently Asked Questions What is the maximum loan amount I can get on a bank statement mortgage? Most Non-QM bank statement programs go up to
California is the country’s largest Non-QM market by total loan volume. The reasons are structural: the state combines the highest home prices in the continental
Frequently Asked Questions Is a Non-QM mortgage the same as the risky no-doc loans Iâve heard about from before 2008? No. Pre-2008 no-doc loans required no
Frequently Asked Questions Can my CPA reduce my expense ratio below 30% for a bank statement loan? Quick Answer: Some programs accept expense ratios as
Frequently Asked Questions Can I buy a rental property if my tax return shows very low income? Quick Answer: Yes. A DSCR loan does not
Building a real estate portfolio using Non-QM financing is a two-track strategy. Track 1 handles the primary residence. Track 2 handles all investment properties. The
Frequently Asked Questions How do lenders verify that bank statement deposits are from my business? Underwriters review deposits for consistency with documented business activity. Deposits
Frequently Asked Questions Why do conventional banks make it so hard for me as a self-employed person to get a mortgage? Conventional mortgage guidelines require
