Non-QM & Investment Property
Financing Solutions
Flexible financing for self-employed borrowers, investors, and anyone who doesn't fit the traditional lending box.
Who Non-QM & Business Purpose Lending is Designed For
Self-Employed Borrowers
Entrepreneurs, consultants, and business owners whose tax returns may not fully reflect their cash flow.
Real Estate Investors
Borrowers focused on rental income, portfolio growth, and investment property financing strategies.
Business-Purpose Borrowers
Clients financing mixed-use, commercial-purpose, or non-owner occupied properties.
Strategic Borrowers
Individuals seeking flexible qualification methods beyond traditional agency guidelines.
Key Benefits of Non-QM & Business-Purpose Lending
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Expanded qualification options
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Fast, more flexible underwriting
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Ideal for self-employed & high-net-worth clients
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Creative financing options
Explore Non-QM & Investment Financing Solutions
From DSCR loans for investors to alternative documentation options for self-employed borrowers, these financing solutions are designed to support a wide range of financial scenarios and property goals.
Financing Strategies by Borrower Profile
Different financing solutions are designed for different borrower profiles, income structures, and investment goals. Here's a high-level look at where each option may fit.
Real Estate
Investors
DSCR Loans
Cash-Flow Based Investment Financing
Best Fit For:
Investors seeking to qualify based on primarily on rental income rather than person tax returns.
Key Advantages:
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Qualification based on property cash flow
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Flexible documentation requirements
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Ideal for long-term rental and portfolio growth strategies
Common Uses:
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Single-family investment properties
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Multi-unit rentals
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Portfolio expansion
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Short-term rental opportunities
Self-Employed Borrowers
Bank Statement Loans
Flexible Financing for Business Owners & Independent Earners
Best Fit For:
Entrepreneurs, consultants, freelancers, and self-employed borrowers whose tax returns may not fully reflect their actual income.
Key Advantages:
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Qualification using personal or business bank deposits
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Alternative documentation options available
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Greater flexibility for complex income structures
Common Uses:
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Home purchases
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Refinancing existing mortgages
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Investment property financing
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Borrowers with significant business write-offs
Mixed-Use & Commercial Investors
Commercial Purpose & Mixed Use Loans
Flexible Financing for Investing & Business-Focused Properties
Best Fit For:
Investors and business owners financing properties that combine residential, commercial, or income-producing use.
Key Advantages:
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Financing tailored to mixed-use and business-purpose properties
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Flexible qualification options for complex investment scenarios
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Solutions designed to support long-term portfolio growth
Common Uses:
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Mixed-use buildings
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Multi-tenant investment properties
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Storefronts with residential units above
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Business-purpose real estate aquistions