Non-QM Mortgage Blog

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

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

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

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 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

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

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

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

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

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

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

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

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

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

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

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 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

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

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