Bank Statement Options
For self-employed borrowers and business owners whose tax returns may not reflect their qualifying income. Eligible deposits and business expenses are reviewed under program guidelines.
Flexible Financing for Your Next Home or Investment
Non-QM & Alternative Income Financing
Your income may look different. Your mortgage options can too. Explore financing paths for self-employed borrowers, business owners, independent contractors, asset-qualified borrowers, and real estate investors.
- Primary residences, second homes, and investment properties — depending on the program
- Explore bank statement, 1099, business-income, and asset-based options
- DSCR financing for eligible rental investment properties
- A personalized, no-obligation review with Thomas Hocking
Program availability, documentation, property use, and qualification requirements vary. Not a commitment to lend.
More than one way to document your financial picture
Explore Alternative Qualification Options
Non-QM is a broader category; DSCR is one investor-focused option within it. The right path depends on how you earn income, the property you plan to finance, and its intended use. Ask Thomas which of these options is currently available for your scenario.
1099 Income Options
For independent contractors and other eligible 1099 earners. Qualifying income and required documentation depend on the selected program.
P&L / Business Income Options
Certain programs may use a profit-and-loss statement and supporting business records to evaluate eligible self-employment income.
Asset-Based Options
Certain programs may use eligible assets to support qualification. Asset type, liquidity, reserves, and calculation methods vary.
DSCR Investment Property Loans
For eligible rental investments, including single-family rentals, condos, townhomes, 2–4 unit properties, and certain short-term rentals. Qualification focuses on rental income relative to the qualifying housing payment. DSCR is not for a primary residence or a personal-use second home.
No Ratio
No debt-to-income ratio is calculated. Qualification is based on credit, reserves, and property eligibility rather than a traditional DTI. Income and employment are not used to qualify, though assets and other factors may be reviewed.
No Doc
Minimal documentation required. Qualification is based primarily on credit, down payment, reserves, and property eligibility. Income, employment, and assets may not be required to be disclosed or verified, subject to program guidelines and underwriting.
Examples are educational and are not a guarantee of product availability or approval. Terms, down payment, credit, reserves, documentation, and property eligibility are subject to underwriting.
A Home, a Second Home, or Your Next Rental
Primary Residence
Explore eligible alternative documentation programs for the home you plan to live in.
Second Home
Review eligible financing for a personal-use second home or vacation property.
Investment Property
Explore DSCR and other eligible options for rental income properties.
How It Works
01
Share Your Goals
Tell us about your property plans and how you earn or document income.
02
Review Your Options
Thomas reviews your scenario and available qualification paths.
03
Build Your Plan
Understand documentation, down payment, costs, and next steps.
04
Apply & Move Forward
Approval and closing follow a complete credit, property, and underwriting review.
Common Non-QM Questions
What does Non-QM mean?
Non-QM means Non-Qualified Mortgage. These programs can accommodate situations outside standard Qualified Mortgage criteria. Credit, property, documentation, and underwriting requirements still apply.
Can I finance a primary residence or second home?
Certain alternative documentation programs may allow primary residences, second homes, or investment properties. Occupancy eligibility varies by program. DSCR financing is for eligible investment properties.
Do I need W2s or tax returns?
Documentation depends on the program. Some options may use bank statements, 1099s, business financials, or assets instead of traditional income documents. This does not mean every program is a no-income-verification loan.
Can I finance a rental investment property?
An eligible rental property may fit a DSCR or another investment program. A vacation home intended for personal use requires a program that permits second-home occupancy. Short-term rental eligibility and income analysis vary.
Does a DSCR above 1.0 mean the property is profitable?
It means qualifying rental income exceeds the housing payment used in that calculation. Vacancy, repairs, management fees, and other operating costs still affect actual cash flow.
How do I find the right option?
Start with a no-obligation consultation. Thomas will review your property use, income documentation, credit, and goals, then confirm which programs are available for your scenario.
Find a Financing Path That Fits
Start with a no-obligation review of your income documentation, property plans, and goals.