The full menu
Nine ways to document
the income you actually have
Every program below replaces the tax-return formula with something that fits real life better — deposits, rent, 1099s, assets, or your CPA's own numbers. Start with the one that sounds like you.
DSCR Loans
Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.
Learn more →Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →P&L Statement Loans
Qualify with a CPA- or EA-prepared profit-and-loss statement — sometimes with no bank statements at all.
Learn more →Asset Qualifier Loans
Qualify from liquid assets — no employment, no income docs. Built for retirees and the asset-rich.
Learn more →ITIN Loans
Home financing for borrowers who file taxes with an ITIN instead of a Social Security number.
Learn more →Foreign National Loans
U.S. property financing for non-resident buyers — no U.S. credit, SSN, or U.S. income required.
Learn more →Interest-Only Loans
Pay only interest for an initial period to maximize cash flow — a strategy tool for investors and high earners.
Learn more →Bridge & Fix-and-Flip
Fast, short-term financing to buy, renovate, and exit — for flippers and buy-before-you-sell moves.
Learn more →Typical non-QM program characteristics as of July 2026. Every investor sets its own guidelines, and they change without notice — treat everything on this page as a starting point, not a quote.
Can't pick? That's the point.
The programs overlap on purpose
A self-employed investor might fit bank statement, DSCR, and P&L programs — with three different rates and doc stacks. Choosing the strongest one is Joe's whole job, and it takes him about one text to start.
Told “no” by a bank? Get a second opinion.
Most non-QM borrowers heard “no” somewhere else first. One text to Joe and you’ll know which program actually fits — no pressure, no jargon, no obligation.