Loan Types
1099 Loan Requirements: What You Need to Qualify in 2026
Learn what 1099 loan requirements you need to qualify for a mortgage as an independent contractor, freelancer, or gig worker in 2026.
May 18, 2026 9 min read
Resources & Insights
Non-QM Mortgage Blog
Expert guidance on Non-QM lending, alternative income documentation, real estate investing, and strategies for self-employed borrowers and investors nationwide.
Investors
Non-QM Loans for First-Time Real Estate Investors: A Complete Guide
First-time real estate investors can use Non-QM DSCR loans to buy rental properties without W2 income. Learn how DSCR loans work and what you need to qualify.
May 18, 2026 10 min read
Loan Types
Stated Income Mortgage in 2026: How It Works and Who Qualifies
Modern stated income mortgages use bank statements, 1099s, or asset verification instead of tax returns. Learn who qualifies and what rates to expect in 2026.
May 18, 2026 8 min read
Loan Types
Jumbo Non-QM Loans: How to Finance Properties Over $1M Without W2s
Self-employed buyers and investors can use Jumbo Non-QM loans to finance properties over $766,550 using bank statements or 1099 income. Complete guide for 2026.
May 18, 2026 9 min read
Loan Process
Non-QM Loan Closing Costs: What to Expect and How to Reduce Them
NonQM loan closing costs typically run 3-6% of the loan amount. Learn what fees to expect, how to compare lenders, and strategies to reduce your cash-to-close.
May 18, 2026 7 min read
Real Estate Investors
DSCR Loans in Cincinnati, Ohio — Qualify on Rental Income
How DSCR loans work for Cincinnati investment properties — neighborhood-by-neighborhood rent-to-price analysis, qualification requirements, and how to apply without tax returns or W-2s.
Apr 29, 2026 14 min read
Real Estate Investors
DSCR Loan Requirements 2026: What Ohio Investors Need to Know
Credit score, down payment, DSCR ratio, reserves, property type — the five variables that determine whether your Ohio DSCR deal closes. Updated for 2026 lender guidelines.
Apr 22, 2026 12 min read
Real Estate Investors
How to Finance an Airbnb Property in Ohio (STR Lending Guide)
The complete Ohio guide to financing short-term rental properties — DSCR loans, bank statement loans, market-by-market STR analysis, and how to pre-underwrite your Airbnb deal before making an offer.
Apr 22, 2026 13 min read
Real Estate Investors
Bridge Loan vs Hard Money: What Ohio Investors Need to Know
Bridge loans and hard money loans are not interchangeable. Here's exactly how they differ, which Ohio scenarios call for each, and how to use both to run a BRRRR strategy.
Apr 22, 2026 12 min read
Self-Employed
Bank Statement Loans: What Lenders Actually Look For in 2026
Self-employed borrowers need to know what underwriters scrutinize in a bank statement file: deposit consistency, expense ratio, account seasoning, large deposit sourcing, and business vs. personal accounts.
Apr 22, 2026 12 min read
Loan Types
ITIN Mortgage Loans: Complete Guide for Non-Citizen Borrowers
You don't need a Social Security number to get a US mortgage. ITIN mortgage loans have defined requirements — down payment, credit, income documentation — and this guide covers all of them.
Apr 22, 2026 13 min read
Non-QM Basics
Non-QM vs Conventional Loans: Which Should You Choose?
Conventional loans are cheaper — but Non-QM is the only option when conventional underwriting doesn't work. Here's the full comparison: rates, income documentation, credit requirements, and when each wins.
Apr 22, 2026 11 min read
Loan Types
Asset Depletion Loans Explained: Qualify on Net Worth, Not Income
Asset depletion loans convert liquid assets into qualifying income using a formula — no job required, no tax return income required. The complete guide for retirees and high-net-worth borrowers.
Apr 22, 2026 12 min read
Loan Types
Foreign National Mortgage Loans: Buying US Property as a Non-Resident
Non-US residents can finance US real estate with a foreign national mortgage. Here are the exact requirements: 30-40% down, foreign income documentation, credit alternatives, and how DSCR programs eliminate income docs entirely.
Apr 22, 2026 13 min read
Self-Employed
Gig Worker Mortgage Guide
Uber drivers, Doordash contractors, freelancers — gig workers face unique mortgage challenges. Here's how to document income and which loan programs work best.
Apr 9, 2026 10 min read
Non-QM Basics
Non-QM Loan Pros and Cons
Non-QM loans open doors conventional mortgages close — but they come with higher rates and stricter equity requirements. Here's an honest breakdown of the.
Apr 9, 2026 10 min read
Rates & Pricing
Non-QM Refinance: Lower Your Rate
Non-QM loans often carry higher rates — and refinancing into a conventional loan later is a smart exit strategy. Here's how and when to refinance out of a.
Apr 9, 2026 10 min read
Real Estate Investors
LLC Mortgage Guide for Investors
Buying investment property in an LLC provides liability protection — but traditional lenders won't lend to LLCs. DSCR and portfolio lenders will. Here's.
Apr 9, 2026 11 min read
Loan Types
Portfolio Loans: What They Are and Who They're For
Portfolio loans are held by the lender instead of sold on the secondary market — which means more flexibility in qualification. Learn who benefits most.
Apr 8, 2026 10 min read
Real Estate Investors
Airbnb Income for DSCR Loan Qualification
Short-term rental income from Airbnb and VRBO can qualify for DSCR loans — but lenders treat it differently than long-term rentals. Here's what you need.
Apr 7, 2026 10 min read
Non-QM Basics
Non-QM Loan Process: Application to Closing
What does the non-QM mortgage process actually look like? Here's a step-by-step walkthrough from application to closing — timelines, documents needed, and.
Apr 6, 2026 11 min read
Real Estate Investors
Rental Property Financing Options (2026)
From DSCR loans to portfolio loans to conventional investment mortgages — here's every financing option for rental property investors and how to choose.
Apr 5, 2026 12 min read
Loan Types
Interest-Only Mortgages Explained
Interest-only loans have lower initial payments — but you're not building equity. Learn how they work, who they're best for, and the risks of choosing.
Apr 4, 2026 10 min read
Loan Types
ITIN Mortgage Guide: Buy a Home Without SSN
You don't need a Social Security number to buy a home in the US. ITIN mortgages allow borrowers with Individual Taxpayer Identification Numbers to qualify.
Apr 3, 2026 10 min read
Credit Events
Mortgage After Foreclosure: Non-QM Options
Conventional lenders require 3–7 years after foreclosure. Non-QM lenders can approve you in as little as 1 day out of foreclosure — here's what you need.
Apr 2, 2026 10 min read
Real Estate Investors
DSCR Loans for Multifamily Properties
DSCR loans work for 2-4 unit properties and small apartment buildings — not just single-family rentals. Here's how multifamily DSCR underwriting works and.
Apr 1, 2026 11 min read
Loan Types
Bridge Loans: Buy Before You Sell
A bridge loan lets you tap your current home's equity to buy a new one before you sell. Learn how they work, the costs involved, and when they make.
Mar 31, 2026 10 min read
Qualifying
Non-QM Loan Down Payment Requirements
Non-QM loans typically require 10–30% down depending on loan type and credit. Here's what to expect for bank statement, DSCR, and asset-based loans — and.
Mar 30, 2026 9 min read
Real Estate Investors
DSCR Loan Calculator & Formula Guide
Before applying for a DSCR loan, calculate your ratio. Learn the formula, what lenders require (usually 1.0–1.25x), and how to improve your DSCR to.
Mar 29, 2026 10 min read
Qualifying
Non-QM Loan Credit Score Requirements
Non-QM loans have more flexible credit requirements than conventional mortgages. Here's the minimum score by loan type, what happens below 620, and how.
Mar 28, 2026 10 min read
Loan Types
Foreign National Mortgage Guide
Foreign nationals can buy US real estate — but not with a conventional loan. Learn how foreign national mortgages work, what documentation is required.
Mar 27, 2026 10 min read
Self-Employed
P&L Loans: Mortgage with Profit & Loss Only
Self-employed borrowers with aggressive write-offs often can't qualify using tax returns. P&L loans use a CPA-prepared profit and loss statement instead.
Mar 26, 2026 10 min read
Real Estate Investors
Fix and Flip Loans: Fast Investor Financing
Fix and flip loans are short-term bridge loans for investors buying distressed properties. Learn how they work, what lenders look for, and how to.
Mar 25, 2026 11 min read
Credit Events
Can You Get a Non-QM Loan After Bankruptcy?
Most conventional loans require 2–4 years after bankruptcy. Non-QM lenders have shorter waiting periods — sometimes as little as 1 day out of BK. Here's.
Mar 24, 2026 10 min read
Loan Types
No-Doc Loans: What Still Exists in 2026
True no-doc loans are mostly gone — but low-doc alternatives exist. Here's what's available today for borrowers who can't provide traditional documentation.
Mar 23, 2026 10 min read
Real Estate Investors
Investment Property Loan Options Compared
Buying a rental property? Compare DSCR loans, portfolio loans, and conventional investment property financing — rates, requirements, and which works best.
Mar 22, 2026 12 min read
Qualifying
How to Qualify for a Non-QM Loan
Non-QM qualification requirements vary by loan type. Here are the credit scores, LTV ratios, income docs, and reserves required for bank statement, DSCR.
Mar 21, 2026 11 min read
Rates & Pricing
Non-QM Loan Rates: What to Expect in 2026
Non-QM rates are slightly higher than conventional — but how much depends on your loan type, credit score, and LTV. Here's what drives the rate and how to.
Mar 20, 2026 10 min read
Loan Types
Asset Depletion Mortgages Explained
Have significant assets but little monthly income? Asset depletion loans let retirees and high-net-worth borrowers qualify using investment accounts.
Mar 19, 2026 10 min read
Non-QM Basics
Non-QM vs. Conventional Loans Compared
Conventional loans follow strict Fannie Mae/Freddie Mac guidelines. Non-QM loans don't — which makes them more flexible but slightly different in rate and.
Mar 18, 2026 10 min read
Self-Employed
Self-Employed Mortgage Guide 2026
Traditional lenders reject self-employed borrowers over tax write-offs. Learn how to qualify for a mortgage without W-2s — using bank statements, P&L.
Mar 17, 2026 12 min read
Loan Types
DSCR Loans: No-Income Verification Mortgages
DSCR loans qualify based on rental income, not your personal income. Learn how debt service coverage ratio works, what lenders require, and how to use it.
Mar 16, 2026 12 min read
Loan Types
Bank Statement Loans: How They Work
Self-employed? Bank statement loans use 12–24 months of deposits instead of tax returns to verify income. Learn how they work, what lenders look for, and.
Mar 15, 2026 11 min read
Non-QM Basics
What Is a Non-QM Loan? A Complete Guide
Non-QM loans help borrowers who don't qualify for conventional mortgages. Learn what makes a loan "non-qualified," who they're designed for, and how to.
Mar 14, 2026 10 min read