Have a buyer who was declined by other lending institutions? Send us the scenario to see if we can help.
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
Partner Scenario Submission
Send us the scenario.
Same-day review when possible. We respond directly to you — not your client.
$2.3B+
In Loans Funded
5.0 out of 5.0
24 hrs
Typical Approval
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.