Non-QM Loans in Tampa, FL
Tampa's warm-weather appeal drives a robust short-term rental market, and its growing self-employed workforce makes non-QM loans a natural fit. We offer DSCR investor loans, bank statement mortgages, and ITIN financing — no tax returns required.
Get Pre-QualifiedNon-QM Programs Available in Tampa
Whether you're a real estate investor, self-employed professional, or ITIN holder — we have a mortgage solution that works for your situation.
DSCR Investor Loans
Qualify based on rental income — no W-2s, no tax returns, no DTI. Perfect for investors scaling portfolios with single-family, multi-family, or short-term rentals.
- No personal income verification
- LLC and entity vesting allowed
- No limit on financed properties
- Short-term rental income accepted
Bank Statement Loans
Use 12-24 months of bank statements instead of tax returns. Built for self-employed borrowers, 1099 contractors, and business owners with strong cash flow.
- 12 or 24 month statements accepted
- Personal or business accounts
- No tax return requirement
- Up to 90% LTV available
ITIN Mortgages
Financing for ITIN holders without a Social Security number. Purchase or refinance with alternative credit documentation.
- No SSN required
- Alternative credit accepted
- Primary residence and investment
- Competitive rates available
Non-QM Loan FAQ — Tampa, FL
What non-QM loans are available in Tampa, FL?+
We offer DSCR investor loans, bank statement mortgages, and ITIN financing in Tampa, Florida. These programs are designed for borrowers who don't fit traditional lending criteria — including self-employed professionals, real estate investors, and 1099 contractors.
Do I need tax returns for a mortgage in Tampa?+
No. Our bank statement loan program allows you to qualify using 12-24 months of bank statements instead of tax returns. DSCR loans for investment properties also require no personal income documentation — you qualify based on the property's rental income.
Can I get an investment property loan in Florida without income verification?+
Yes. DSCR loans qualify you based on the rental property's income, not your personal income. There's no W-2 requirement, no DTI calculation, and no limit on the number of properties you can finance.
What is the minimum credit score for a non-QM loan in Tampa?+
Minimum credit scores vary by program. DSCR loans typically require 660+, bank statement loans start at 620, and ITIN programs may accept alternative credit history. Contact us for specific program requirements.
How do I apply for a non-QM loan in Tampa, FL?+
Start by completing our quick pre-qualification form. We will review your scenario, match you with the best non-QM program, and guide you through the application process. Most borrowers receive a preliminary decision within 24 hours.
Ready to Get Started in Tampa?
Complete our quick pre-qualification form and a non-QM specialist will review your scenario within 24 hours.
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