Flexible financing for real estate investors, self-employed borrowers, and unique income situationsāno tax returns, no W-2s, just the right loan for you!
š Why Choose a Non-QM Loan
Alternative Qualification Methods
Use rental income, bank statements, or assets instead of tax returns.
Flexible Loan Terms
Fixed & adjustable rates with competitive pricing.
Higher Loan Amounts Available
Qualify for larger loan amounts without strict DTI requirements.
Faster Approvals
Less paperwork, no tax returns, and quick closing times.
Multiple Borrower Options
deal for self-employed, freelancers, investors, and those with unique income.
Non-QM loans provide flexible and scalable financing solutions for borrowers who don't fit traditional lending guidelines. Whether you're self-employed, a freelancer, or an investor, these loans offer competitive terms, alternative qualification options, and faster approvalsāhelping you achieve your financial goals faster.
Investor Loan Benefits & Features
Invest with confidence! Our investor loan programs offer flexible, hassle-free financingāno W-2s, tax returns, or income verification needed. With DSCR, Bank Statement, and No-Doc loans, you can qualify based on rental income, scale your portfolio, and close deals faster! scale their portfolio, and secure financing faster.
š” Key Investor Loan Features & Eligibility
ā No Income Verification ā Qualify based on rental cash flow, not personal income.
ā Flexible Loan Options ā DSCR, Bank Statement, Asset-Based, and No-Doc loans available.
ā Low Down Payment Options ā As low as 15-20% for most investor loans.
ā Multiple Property Financing ā Get loans for multiple investment properties at once.
ā Fast Approvals & Closings ā Less paperwork and no tax returns required.
š Investor Loan Options We Offer.
- 1ļøā£ DSCR Loans (Debt-Service Coverage Ratio) ā No tax returns or W-2s required! Qualify based on rental income, making this an ideal option for investors looking to expand their real estate portfolio quickly.
- 2ļøā£ Bank Statement Loans ā Self-employed? No problem! Use 12-24 months of bank statements instead of tax returns to qualify. A great fit for real estate investors and business owners.
- 3ļøā£ Asset-Based Loans ā Leverage your real estate portfolio or liquid assets to secure financing. Perfect for high-net-worth investors seeking maximum financial flexibility.
- 4ļøā£ No-Income & Stated Income Loans ā Traditional income verification isnāt required! Qualify based on assets, reserves, or future rental income. Ideal for investors with non-traditional financial situations.
How to Apply for an Real Estate Financing
Get Pre-Approval
Qualify using rental income or assets instead of traditional W-2s. No tax returns required!
Find the Right Investment Property
Partner with a real estate agent to identify a high-return rental or investment property that fits your strategy.
Submit Your Application
Show your rental income, bank statements, or assets to secure the best financing termsāno tax returns required.
Close & Start Earning!
Secure funding, finalize your deal, and begin generating rental income with your new investment property.
āØ Have questions about investor loans? Here are the most common answers to help you secure the best financing for your portfolio.
Q1: What credit score do I need for an investor loan?
A: Most investor loan programs require a 620+ credit score, but some options (like DSCR loans) have no minimum score requirements if the property cash flows.
Q2: Can I qualify without W-2s or tax returns?
A: Yes! Investor loans like DSCR, bank statement, and asset-based loans allow you to qualify using rental income, bank statements, or assetsāno W-2s needed.
Q3: How much down payment do I need?
A: 15-20% down is standard for most investor loans. Some programs may allow lower down payments with additional reserves or higher rates.
Q4: How fast can I close on an investment loan?
A: Investor loans typically close in 4-6 weeks, depending on the complexity of the deal.
Q5: What types of properties qualify?
A: You can finance single-family rentals, multi-unit properties, short-term rentals (Airbnb), and mixed-use buildings with investor loan programs.
š” Ready to Grow Your Portfolio? Let's Get Started!
š¢ Take the next stepāget pre-approved today and move closer to homeownership!
Looking for refinancing options? Check out our Refinance Loans.