Have a borrower who was declined by the bank? Send us the scenario.
Stop losing commissions on borrowers who don't fit the conventional box. Our Non-QM programs help self-employed buyers, investors, and credit-event borrowers close — so you close.
- Same-day scenario review
- Self-employed & 1099 buyers
- Bank statement & P&L programs
- Recent credit events OK
No obligation • Soft inquiry only • Same-day review when possible
Partner Scenario Submission
Send us the scenario.
Same-day review when possible. We respond directly to you — not your client.
Same Day
Scenario Review
5.0 ★
Partner-Rated Service
$2.3B+
In Loans Funded
5 Scenarios Non-QM Can Save
Borrower scenarios where Non-QM may help.
If the bank said no, that doesn't mean the deal is dead. These are the files we close every week.
Self-Employed Buyer
2 years 1099 or business owner — qualify on bank statements or P&L, no tax returns required.
Recent Credit Event
Bankruptcy, foreclosure, or short sale inside the seasoning window — non-QM can still close.
Investor / DSCR
Qualify on the property's rent. LLC vesting allowed. No personal DTI cap.
Asset-Rich, Low Income
Retirees or high-net-worth buyers qualifying off liquid assets, not W-2 income.
Foreign National
ITIN and foreign national programs for buyers without traditional U.S. credit.
Have a 6th scenario?
Send it to us — same-day review when possible.
Submit scenarioSave the File
How Realtors save difficult mortgage files.
Three Non-QM programs that close the deals conventional underwriting won't touch.
Bank Statement Loans
12–24 months of personal or business bank statements in place of tax returns. Built for the self-employed buyer your bank declined.
- No tax returns
- Up to 90% LTV
- Primary, second, investment
DSCR Investor
Qualify on the property's rental income — not your client's W-2. Perfect for investor buyers building a portfolio.
- DSCR as low as 1.0
- LLC vesting
- 1–4 units + short-term
Asset-Based & ITIN
Liquid-asset qualification for retirees and high-net-worth buyers, plus ITIN options for non-traditional credit.
- Asset depletion
- Foreign national / ITIN
- Recent credit events OK
Partner FAQ
Straight answers.
Is Non-QM the same as subprime?+
No. Non-QM is not subprime. Subprime loans of the 2000s priced for borrowers with poor credit using teaser rates and no documentation. Non-QM loans are fully documented (just with alternative documentation like bank statements or DSCR), fully underwritten for ability to repay, and made to credit-worthy borrowers who simply don't fit the rigid QM box — typically self-employed buyers, investors, and high-net-worth clients.
What should I do when my self-employed buyer is declined?+
Send us the scenario before the deal dies. Most self-employed declines come from tax-return write-offs distorting qualifying income. A bank statement or P&L program ignores tax returns entirely and uses cash flow instead — saving the deal and your commission.
How fast is the partner scenario review?+
Same-day review when possible. You get a direct response from a senior loan officer with a yes/no/here's-what-we-need answer — not a marketing email to your client.
Will you contact my borrower directly?+
Only with your permission. The scenario submission goes to you first. We protect the partner relationship — you stay in control of the client experience.
Do you pay referral compensation?+
We work with realtors and brokers under fully RESPA-compliant structures. Ask your loan officer about co-marketing, MSA, and lead-share arrangements available in your state.
Don't lose another deal to the bank.
Send us the scenario. Same-day review when possible. We respond directly to you — not your client.