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Non-QM Loans
When your finances don't fit in a box, your loan shouldn't have to either. I'm Erik Kinsley, and I connect self-employed borrowers, investors, and retirees with lenders who look beyond a standard tax return.
Alternative Documentation
Qualify using bank statements, P&L statements, asset depletion, or rental cash flow instead of tax returns.
No Property Limit
No cap on how many properties you can hold across most Non-QM products - built for investors and self-employed borrowers, not a credit-repair product.
Streamlined Process
Access to multiple lenders means we can find the best loan program for your specific situation, ensuring a faster and more efficient approval.
Expert Guidance
As a licensed mortgage broker, we provide the expert guidance needed to navigate the complexities of self-employed lending programs.
Who Non-QM Loans Are For
These programs are specifically crafted for independent professionals and entrepreneurs whose unique financial stories aren't told by standard tax documents.
Tax Return Challenges
Self-employed borrowers whose tax returns understate true cash flow due to significant business write-offs.
Complex Income
Business owners who cannot easily document income through standard W-2s or employee records.
Modern Workforce
Freelancers and gig-economy workers with variable monthly income streams that need alternative verification.
How to Qualify
Meeting these standard criteria helps ensure a smooth approval process for your Non-QM loan.
Typically 12–24 months of personal or business bank statements
✓
Generally 620–680+ credit score depending on lender
✓
Larger down payment often required
✓
Healthy consistent deposit history
✓
Business license or CPA letter confirming self-employment
✓
Myth
Non-QM loans are only for people who cannot qualify for a real mortgage.
Reality
They are a legitimate non-QM financing option designed for self-employed borrowers whose tax returns do not reflect their full earning power.
Non-QM Loan FAQs
Do I need to provide tax returns?
No, bank statement loans use deposit history instead of tax returns to verify income.
How is my income calculated?
A lender reviews bank deposits over the statement period and applies an expense factor to estimate qualifying income.
Guidelines, rates, and eligibility vary by lender and loan type. This information is for educational purposes only and is not a guarantee of approval or loan terms.