Non-QM & Investor Loan Programs

Qualify for investment property financing using rental income only—no personal income verification required.

This program is ideal for real estate investors who want to scale their portfolio without relying on tax returns, W-2s, or pay stubs. Approval is based on the property’s Debt Service Coverage Ratio (DSCR), comparing rental income versus expenses.

Key Highlights:

• DSCR-based qualification (property cash flow driven)

• No personal income verification

• No tax returns or W-2s required

• Purchase or refinance options available

• 1–4 unit and multi-unit properties eligible

• Interest-only options available (program dependent)

• Loan amounts up to jumbo limits

• LLCs and individual borrowers accepted

👉 Check DSCR Eligibility

Qualify using CPA-prepared or borrower-prepared Profit & Loss statements instead of traditional tax returns.

Designed specifically for self-employed borrowers whose true income may not be fully reflected on tax returns due to write-offs or business deductions. This program allows lenders to evaluate actual cash flow, not paper losses.

Key Highlights:

• CPA or borrower-prepared P&L statements accepted

• No tax returns required

• Personal or business income allowed

• Purchase or refinance options

• Owner-occupied and investment properties eligible

👉 Check P&L Eligibility