Columbus' Non-QM Lender for Investors & Entrepreneurs
Fix & Flip, DSCR, Bridge, Bank Statement, 1099, Asset Depletion, and Foreign National loans — 10 products, one expert. No W2s. No tax returns. Just results.
Non-QM Loan Products
The Right Loan for Your Situation
Whether you're self-employed, an investor, or don't have a Social Security number, there's a Non-QM loan designed for you.
Investor Loans
For Rehab Investors
Fix & Flip Loans
Fast, asset-based funding for Columbus fix-and-flip projects. Close in days, not weeks. Fixer-uppers from $80K–$500K.
- Close in 5-10 business days
- Up to 90% of purchase price
- No personal income required
- LLCs & corporations OK
For Rental Property Investors
DSCR Investor Loans
Qualify based on the rental income of the property — not your W2 or tax returns. Build your Columbus rental portfolio faster.
- No personal income required
- Short-term rentals (Airbnb) OK
- LLCs welcome
- Multi-family up to 8 units
For Fast-Moving Buyers
Bridge Loans
Buy your next property before selling your current one. Or close fast on a deal before a competitor does. Columbus' market moves in 24 days.
- Close in 5-7 business days
- No prepayment penalty
- 6-24 month terms
- Residential & commercial
Self-Employed & Alternative Income
For Self-Employed & Business Owners
Bank Statement Loans
Qualify using 12-24 months of bank statements. No tax returns. No Schedule C. Perfect for business owners who write off everything.
- No tax returns required
- Up to $3M loan amounts
- 12 or 24 month statements
- 620+ credit score
For Contractors & Freelancers
1099 & Gig Worker Loans
Qualify on your 1099 income without needing W2s. Ideal for Intel contractors, freelancers, realtors, and independent professionals.
- 1099 income accepted
- No W2 required
- Gig economy friendly
- Fast approvals
For Retirees & High-Net-Worth
Asset Depletion Loans
Have $500K+ in investments but low W2 income? We convert your brokerage and retirement accounts into qualifying mortgage income.
- No employment required
- IRA, 401k, brokerage OK
- Ideal for downsizers
- Jumbo amounts available
Also available: P&L Statement Loans · ITIN Loans · Foreign National Loans · Recent Credit Events · Non-Warrantable Condo Loans
Not sure which product fits? Get a free consultation
For Self-Employed Borrowers
Your Tax Write-Offs Shouldn't Cost You a Mortgage
If you're self-employed, your tax returns often show far less income than you actually earn — because you're smart about deductions. Conventional lenders penalize you for that. We don't.
With a Bank Statement Loan, we qualify you based on your actual cash deposits over 12-24 months. No Schedule C. No 4506-T. Just your bank statements and your story.
DSCR Investor Loans
Does Your Columbus Rental Property Qualify?
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income — not your W2 or tax returns. If the rent covers the mortgage, you qualify.
"Columbus rental yields of 6-8% and vacancy rates under 4.5% make Central Ohio one of the strongest DSCR markets in the Midwest."
DSCR Quick Calculator
Estimate if your rental property qualifies
Your Columbus, OH Non-QM Expert
Central Ohio is Booming. Your Mortgage Should Keep Up.
Intel's $28 billion semiconductor facility in New Albany is bringing tens of thousands of contractors, engineers, and investors to Franklin County. Amazon and Google data center investments are adding to the surge. Columbus is one of the NAR's top 10 housing hot spots for 2026.
As a Columbus-based Non-QM specialist, Ian Eichelberger understands the local market in ways national lenders simply don't. From Short North investment condos to New Albany contractor homes to Dublin rental portfolios — he's closed them all.
Client Stories
Real Borrowers. Real Results.
"Ian funded my fix-and-flip in Franklinton in 8 days. No income docs, no appraisal delays. I've done 4 flips with him now and won't use anyone else."
"As a 1099 contractor working the Intel build-out, I couldn't get approved anywhere. Ian got me a bank statement loan at a rate I didn't expect."
"I sold my business and had $1.2M in my brokerage account but zero W2 income. Ian used asset depletion to get me into my Dublin home in 3 weeks."
Ready to Get Pre-Qualified?
No credit pull. No commitment. Just a free, honest conversation about your options with Ian Eichelberger, NMLS #368612.
Equal Housing Lender · NMLS #368612 · Licensed in Ohio