Non-QM loans qualify you on the income you actually have — bank deposits, rental cash flow, assets, or 1099 income — instead of a tax return that undersells you. Available in California, Arizona, Colorado, Nevada, Tennessee, and Washington.
"Non-QM" just means the loan doesn't fit the CFPB's strict Qualified Mortgage rulebook — not that you don't qualify. It gives lenders room to underwrite on real-world income instead of a tax return.
12–24 months of deposits instead of tax returns.
Qualify on the property's rental income, not yours.
Turn savings and investments into qualifying income.
A loan that doesn't meet the CFPB's Qualified Mortgage rules, giving flexibility to qualify on bank statements, rental income, or assets.
Self-employed borrowers, investors, foreign nationals, ITIN holders — anyone whose income doesn't show cleanly on a W-2.
Typically somewhat higher than conventional, to offset flexible documentation — often still less than the cost of not qualifying.
Yes — across California and every state we're licensed in: Arizona, Colorado, Nevada, Tennessee, and Washington.
One conversation, real numbers, no obligation.