Use alternative documentation like bank statements, P&L statements, or asset statements to verify income—no W‑2s or tax returns required.
Borrowers with credit events such as bankruptcies, foreclosures, or late payments may still qualify. Programs often accept FICO scores as low as 620.
Debt Service Coverage Ratio (DSCR) loans allow investors to qualify based on rental property income, not personal income—perfect for growing your portfolio.
The Non-QM sector is one of the fastest-growing segments in the mortgage industry. These flexible loan programs are unlocking homeownership and investment opportunities for a broader range of borrowers.
