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.
The choice between Non-QM and conventional isn’t usually a preference decision — it’s a qualification decision. Most borrowers should use conventional if they can qualify
Frequently Asked Questions I’m a self-employed carpenter or electrician in Charlotte or Raleigh — can I get a mortgage on my data center income? Yes.
Frequently Asked Questions I’m a self-employed master plumber or electrician in Chicago — can I get a mortgage on my data center income? Yes. A
FHA loans and Non-QM loans serve different borrowers. The comparison only matters if you’re trying to decide which path to take — and the answer
Frequently Asked Questions I’m a self-employed carpenter or electrician in Atlanta — can I get a mortgage on my data center income? Yes. A bank
Frequently Asked Questions I’m a self-employed electrician or plumber in Phoenix — can I get a mortgage on my data center income? Yes. A bank
Frequently Asked Questions I’m a self-employed plumber working DFW data center projects — can I get a mortgage? Yes. A 1099 loan qualifies your gross
Frequently Asked Questions I’m a self-employed electrician in Northern Virginia — can I get a mortgage on data center income? Yes. A 1099 loan or
Tennessee occupies a unique position in Non-QM lending: it is simultaneously the most productive DSCR investment state in the US and a growing market for
Frequently Asked Questions What is the minimum credit score for a DSCR loan in 2025? Most DSCR loan programs start at a minimum credit score
