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 Can my CPA reduce my expense ratio below 30% for a bank statement loan? Quick Answer: Some programs accept expense ratios as
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 Can I buy a rental property if my tax return shows very low income? Quick Answer: Yes. A DSCR loan does not
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
Frequently Asked Questions I’m a self-employed electrician — why did the bank decline my mortgage when I earn good income? Conventional banks qualify income using
Frequently Asked Questions Do I need tax returns for a bank statement mortgage? Quick Answer: No. A bank statement mortgage does not use your tax returns
Every dollar of qualifying income you produce increases your maximum loan amount. At 50% DTI, $1,000/month more qualifying income enables $200,000 more in qualifying loan
Frequently Asked Questions What is the minimum credit score for a bank statement loan? Quick Answer: Most bank statement loan programs start at a minimum
Frequently Asked Questions Does a DSCR loan require me to show my income or tax returns? Quick Answer: No. A DSCR loan qualifies the rental investment
