Are Non-QM loans available throughout the New York City metro?

Yes. Non-QM programs are available throughout the New York City metro area including Brooklyn, Queens, Manhattan, Bronx, Staten Island.

Can I use a DSCR loan for a New York City short-term rental?

Yes. Many DSCR lenders accept short-term rental income from platforms like Airbnb and VRBO for New York City properties, using either historical platform income or a market rent analysis from an appraiser.

I’m self-employed in New York City. Can I qualify without tax returns?

Yes. Bank statement loans are specifically designed for self-employed borrowers. You’ll qualify based on 12 or 24 months of business or personal bank deposits rather than tax returns.

New York

Non-QM Mortgage Lenders in New York City, NY

New York City is the largest real estate market in the United States. NonQM.Loan matches self-employed borrowers, real estate investors, and non-traditional income earners with licensed Non-QM specialists serving the New York City area.

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Programs Available in New York City

Bank Statement Loans — No tax returns
DSCR Investor Loans — Qualify on rent
Fix & Flip Loans — Close in days
Bridge Loans — Buy before you sell
1099 & Gig Worker Loans — No W2
ITIN Mortgage Loans — No SSN
Asset Depletion Loans — High net worth
Recent Credit Events — BK & foreclosure OK

Non-QM Lending in the New York City Market

The New York City real estate market attracts a growing number of self-employed borrowers and real estate investors who don’t fit conventional lending criteria. Bank statement loans, DSCR investor loans, and fix-and-flip financing are among the most requested Non-QM programs in the area.

Whether you’re a business owner, a rental property investor, or a borrower with non-traditional income, NonQM.Loan connects you with licensed specialists who understand the New York City, New York market and can structure the right loan for your situation.

Non-QM lending provides a practical path to financing for New York City borrowers who have strong financial profiles but don’t meet the rigid documentation requirements of conventional mortgage programs.

Most Requested Programs in New York City

Bank Statement Loans

Self-employed New York City borrowers qualify on deposits

DSCR Investor Loans

New York City rental investors qualify on property income

Fix & Flip Loans

New York City rehab investors close in days

Bridge Loans

Buy your next New York City property before selling

Foreign National Loans

Non-U.S. residents purchasing New York City properties

Asset Depletion Loans

High net worth New York City borrowers qualify on assets

Common Questions

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