Non-QM/Self Employed

If you’re self-employed, a business owner, a 1099 contractor, or an investor, your tax returns may not tell the whole story of what you earn. Non-QM loans can qualify you on real cash flow instead, such as 12–24 months of bank deposits, a CPA-prepared profit-and-loss statement, 1099 income, or a rental property’s income (DSCR). These programs typically require a larger down payment and are priced differently than conventional loans, so I’ll walk you through the trade-offs clearly. Learn more on my Non-QM Loans and Self-Employed Borrowers pages.