How NON-QM Loans Can Help Self-Employed Borrowers Secure Mortgages
For many self-employed individuals, securing a mortgage can be complex, especially when traditional income documentation doesn’t reflect their full financial picture. Non-QM loans offer a solution for those who may struggle with tax returns or regular pay stubs but have the assets and financial stability to support homeownership.
We’re helping countless self-employed clients achieve their goals with flexible loan options tailored to their unique needs. The most popular programs offer loan amounts up to $10MM or more, with competitive rates starting in the 6’s. These loans can close under LLCs, offer interest-only payment options, and are designed to work with diverse income structures. Whether you’re purchasing, refinancing, or investing, we have solutions to fit your goals. Let’s find the right loan for you—contact us today!
Fix and Flip loan – Clients that want to purchase an investment property, fix it up, and then sell it quickly for profit. This loan requires NO income, NO job, and NO experience and you can put as little as 10% down depending on the scenario, and get 100% of rehab money.
Bank statement loan – For clients that cannot qualify for showing income; NO tax returns, NO w-2 or paystubs, we can use 12/24 months personal or business bank statements for income. We can do this for business owners, independent contractors, real estate investors, agents, etc.
P&L loan – Clients that cannot show income via tax returns, w-2, paystub, or bank statements. So clients get big deposits a few times a year or income from many sources, lots of different bank accounts, cash, etc. and bank statements are very hard to track all this down. So we can take a P&L ( profit and loss statements for 12/24 months) from your CPA, EA, etc that prepares and breaks down the income on a P&L.
Asset depletion – Clients are allowed to use their assets, like retirement accounts, savings, or investments, as a source of income. This method is especially useful for self-employed individuals or retirees who may not have consistent income but possess substantial assets. Lenders will calculate a monthly income stream based on the value of these assets, helping the borrower qualify for a mortgage.
DSCR loan – Clients can use the rent from a property to qualify to purchase or refinance a 1-to-4-unit investment property, we can do loans all the way up to 20 units on this property. No job, No income needed for this loan. This helps tons of real estate investors purchase and refinance investment properties.
Testimonials:
Sarah H., Entrepreneur:
“As a self-employed business owner, I didn’t have the typical W-2 income. Non-QM loans allowed me to use my bank statements to qualify for a mortgage, and I couldn’t be happier with my new home!”
John D., Real Estate Investor:
“I’ve been investing in properties for years, but my income fluctuates. The flexibility of a Non-QM loan helped me secure a home despite not having traditional proof of income.”
Lisa M., Consultant:
“Non-QM loans opened up opportunities I didn’t think were possible. I had significant assets but couldn’t show consistent income on paper. This loan type made it possible for me to purchase my dream home.”
If a bank has denied you, think you cannot qualify or are not sure how these self-employed loans work, let’s talk!
Location
2020 Lomita Blvd,
Torrance, CA 90101
United States
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