Don't Fit the
Conventional Box?
NonQM.Loan connects self-employed borrowers, real estate investors, and non-traditional income earners with licensed Non-QM specialists across 48 states — for free.
Who We Match
Self-Employed Business Owners
Qualify on bank deposits, not tax returns
Real Estate Investors
DSCR, Fix & Flip, Bridge — no W2 needed
1099 Contractors & Freelancers
Gig workers, consultants, independent pros
ITIN & Foreign National Buyers
No SSN required for eligible programs
High Net Worth / Retired Borrowers
Qualify on assets, not employment
Non-QM Programs
States Covered
Free to Borrowers
Avg. Match Time
Matched in 3 Steps. Free.
Tell Us Your Situation
Fill out a short form — no credit pull, no SSN required. Just the basics about your loan need.
We Match You With a Specialist
We connect you with a licensed Non-QM loan officer in our network who specializes in your exact loan type and state.
Get Your Options
Your matched specialist reviews your scenario and presents the programs you qualify for — no obligation to proceed.
The Right Program for Your Situation
Not every borrower fits the same box. These programs exist for people the traditional system turns away.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. No tax returns, no Schedule C. Your write-offs shouldn’t cost you a mortgage.
- No tax returns required
- Up to $3M loan amounts
- 620+ credit score
- 12 or 24 month statements
DSCR Investor Loans
Qualify on the rental income of the property, not your personal income. LLCs welcome. Short-term rentals eligible.
- No personal income required
- Short-term rentals OK
- LLCs welcome
- Multi-family up to 8 units
Fix & Flip Loans
Asset-based funding for rehab projects nationwide. Close in days, not weeks. Compete with cash buyers on fixer-uppers.
- Close in 5–10 business days
- Up to 90% of purchase price
- No income docs required
- LLCs & corporations OK
Bridge Loans
Buy your next property before selling your current one. Or lock in a deal before someone else does.
- Close in 5–7 business days
- No prepayment penalty
- 6–24 month terms
- Residential & commercial
1099 & Gig Worker Loans
Qualify on your 1099 income. No W2 needed. Built for contractors, freelancers, and independent professionals.
- 1099 income accepted
- No W2 required
- Gig economy friendly
- Fast approvals
Asset Depletion Loans
$500K+ in investments but low W2 income? We convert your brokerage and retirement accounts into qualifying income.
- No employment required
- IRA, 401k, brokerage OK
- Ideal for downsizers
- Jumbo amounts available
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.
A Bank Statement Loan qualifies you on your actual deposits over 12–24 months. No Schedule C. No 4506-T. We'll match you with a specialist who knows how to underwrite this correctly.
Loan Amounts
Up to $3M
Min. Credit Score
620+
Max LTV
90%
Statement Period
12 or 24 mo.
12 or 24 Month Bank Statements
No Tax Returns Required
Does Your Rental Property Qualify?
A DSCR loan qualifies on the property's income, not yours. If the rent covers the payment, you're in the conversation — regardless of your W2.
- No personal income verification
- LLCs and corporations welcome
- Short-term rentals (Airbnb/VRBO) eligible
- Multi-family up to 8 units
- Available in 48 states
We Work for Borrowers, Not Lenders
NonQM.Loan is a free matching service. We don't charge borrowers, we don't pull credit, and we don't have a preferred lender we're pushing. We match your scenario to the specialist in our network who is best positioned to close it.
Our network covers bank statement programs, DSCR investor loans, fix-and-flip bridge financing, ITIN mortgages, foreign national loans, and more — across 48 states. Whatever your situation, there's likely a program for it.
Free
To All Borrowers
48
States Covered
10+
Non-QM Programs