Non-Qualified Mortgage Loans

Qualify investment properties using rental income instead of personal income. 

Use 12 or 24 months of personal or business deposits for self-employed borrowers. 

Use 1099 earnings, often with an expense factor, instead of tax returns. 

Qualify using a CPA or borrower-prepared P&L. 

Convert eligible assets into qualifying monthly income. 

Uses standard income documents but allows higher DTI, lower credit, or recent credit events. 

Larger loan amounts that fall outside conventional or standard jumbo guidelines. 

For borrowers without U.S. citizenship, residency, credit, or traditional U.S. income. 

For borrowers using an ITIN instead of a Social Security number. 

May allow recent bankruptcy, foreclosure, short sale, or mortgage late payments. 

Investment-property qualification without calculating income or DSCR. 

Short-term financing for purchasing, renovating, or transitioning between properties. 

For properties that agency programs generally won’t finance. 

Allow interest-only payments for an initial period. 

For properties that do not fit standard agency guidelines.