Non-QM / Alt-Doc Loans
Flexible qualifying for self-employed investors, high earners, and complex income.
Apply for This LoanOverview
Non-QM (Non-Qualified Mortgage) loans use alternative income documentation for real estate investors who don't fit conventional underwriting — self-employed borrowers, investors with many write-offs, high-net-worth individuals with complex income, and recent credit events. Qualify using 12–24 months of bank statements, asset depletion, P&L statements, or 1099 income instead of W-2s and tax returns.
- No tax returns or W-2s required — use bank statements or P&L instead
- Works for self-employed investors with significant business write-offs
- Recent credit events (bankruptcy, foreclosure) may still qualify
Loan Specifications
$150,000
$5,000,000+
5–30 years
Up to 80%
30 years
Fixed or Floating (7–11%+)
Eligibility Criteria
- Investment or owner-occupied properties (varies by program)
- Self-employed borrowers, 1099 earners, business owners, high-net-worth individuals
- Minimum 620–680 credit score depending on program
- 10–25% down payment depending on documentation type
- 2 years self-employment history preferred
Required Documents
Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.
- 12 or 24 months personal or business bank statements (primary qualification)
- OR: CPA-prepared P&L statement
- OR: 1099 income statements (2 years)
- OR: Asset depletion schedule (for high-net-worth borrowers)
- Business license or CPA letter confirming self-employment
- Property appraisal
- Entity documents if purchasing through an LLC