Successful self-employed borrowers, retirees, and foreign nationals all share one problem, agency loans don't see who they actually are. Non-QM does. Bank statements, P&L, asset depletion, foreign passport. Real loans for real income that doesn't fit a W-2 box.
Non-QM isn't one loan, it's a category. Each product is built for a specific borrower profile. We pick the right one for your file.
For self-employed. Personal or business statements. Deposits averaged with expense factor. Most common Non-QM product in FL.
CPA-prepared profit and loss statement qualifies. Faster than bank statement when books are clean. Good for established business owners.
60 to 70% of liquid assets ÷ 360 months = qualifying income. For retirees and high-net-worth borrowers with limited monthly cashflow.
Non-US citizens. Passport + visa or ITIN. 25 to 30%+ down. Common in Miami, Keys, Naples luxury markets.
For non-citizens with an Individual Taxpayer Identification Number. Tax-return-based qualifying with lower down payments than full foreign national.
1099 contractors qualify on gross 1099 income with expense factor, no tax-return Schedule C deductions hurting DTI.
Six-figure 1099 income, but Schedule C deductions show $40k taxable. Conventional says no. 24-month bank statement says yes, and qualifies you for the actual home you can afford.
Limited monthly Social Security income. Asset depletion takes 70% of liquid assets, divides by 360, creates ~$2,900/month qualifying income, without you ever drawing from the account.
30% down, 12 months reserves, passport-based ID. Foreign national loan closes on Naples or Keys waterfront in 30 to 45 days. Common path for international clients.
Sold a company, now living off proceeds. No 2 years tax returns showing income. Asset depletion + bank statement hybrid handles this elegantly.
Income is real but volatile. Bank statement averages 24 months of commission deposits, smooths out the bumps that kill agency loans for commission-based borrowers.
Non-QM Strategy Call
30-minute call. We'll match your income profile to the right Non-QM product, run rate scenarios, and show you the path forward, even if other lenders said no.