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Non-QM Loans for Investors & Self-Employed Borrowers (2026 Guide)

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Non-QM Loans for Investors & Self-Employed Borrowers (2026 Guide)

Flexible mortgage solutions for self-employed borrowers, real estate investors, and anyone who doesn’t fit the traditional lending box.

Non-QM programs can use alternative documentation—like bank statements, property cash flow (DSCR), or assets—to help you qualify using your real financial picture.

If a bank says no, a properly structured Non-QM loan can often say yes.

This is not a commitment to lend. Programs and guidelines vary by scenario and are subject to change.

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What Is a Non-QM Loan?

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What Is a Non-QM Loan?

A Non-Qualified Mortgage (Non-QM) loan is a mortgage that does not meet standard agency guidelines set by Fannie Mae or Freddie Mac — but is still fully legal, compliant, and responsibly underwritten.

Unlike conventional loans that rely heavily on W-2 income, tax returns, and strict debt-to-income ratios, Non-QM loans evaluate the borrower’s true ability to repay using alternative documentation and real-world financial metrics.

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Who Non-QM Loans Are Designed For

Self-employed borrowers with write-offs
Real estate investors scaling portfolios
Entrepreneurs with complex income streams
Borrowers using LLCs or business entities
Foreign nationals investing in U.S. real estate
High-net-worth individuals with strong assets but uneven income

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Non-QM Loans vs Conventional Financing

Traditional mortgages were designed for salaried employees — not investors or entrepreneurs. Non-QM loans bridge that gap.

No strict debt-to-income limits
Alternative income verification
Business and investment cash flow considered
Entity and portfolio-friendly structures
Faster approvals with fewer documentation hurdles

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Non-QM Loan Programs We Offer

ABO Capital structures Non-QM financing across multiple loan types, each designed to solve a specific underwriting challenge.

Each program has different qualification standards, pricing structures, and use cases — which is why proper loan strategy matters.

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Non-QM Loans vs Conventional Financing

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Non-QM Loans vs Conventional Financing

Traditional mortgages were designed for salaried employees — not investors or entrepreneurs. Non-QM loans bridge that gap.

No strict debt-to-income limits
Alternative income verification
Business and investment cash flow considered
Entity and portfolio-friendly structures
Faster approvals with fewer documentation hurdles

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Non-QM Loan FAQs

Are Non-QM loans risky?

No. Non-QM loans are fully regulated and designed for borrowers with non-traditional income — not subprime credit.

Do Non-QM loans require tax returns?

Many programs do not. Bank statements, assets, or rental income can be used instead.

Can Non-QM loans be used for investment properties?

Yes. In fact, many Non-QM programs are specifically built for real estate investors.

Non-QM Loan Programs We Offer

ABO Capital structures Non-QM financing across multiple loan types, each designed to solve a specific underwriting challenge.

Each program has different qualification standards, pricing structures, and use cases — which is why proper loan strategy matters.

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What Is a Non-QM Loan?

A Non-QM loan is a mortgage that does not follow the strict documentation and income rules of traditional Fannie Mae or Freddie Mac lending.

Instead of tax returns, W-2s, and pay stubs, Non-QM lenders allow you to qualify using:

Bank statements (personal or business)
DSCR (debt service coverage ratio) for investment properties
Asset-based underwriting
1099 income or contract income
Stated income (in select scenarios)
P&L-only for business owners

These programs were designed for entrepreneurs, investors, and self-employed borrowers who have strong financials — but not the kind that fit neatly on a tax return.

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Types of Non-QM Loans

Bank Statement Loans

Qualify using 12–24 months of business or personal bank statements. No tax returns required.

Learn About Bank Statement Loans →

DSCR Investor Loans

Qualify using rental income or projected market rents. Perfect for investors and landlords.

Explore DSCR Loans →

Asset-Based Loans

Approval based on liquid assets — not income.

Asset-Based Qualification →

1099-Only Mortgage

Use your 1099 forms instead of full tax returns to qualify.

P&L-Only Mortgage

Qualify using a CPA-prepared profit & loss statement only.

Stated-Income Mortgage

For experienced borrowers with strong equity and reserves.

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How to Qualify for a Non-QM Loan in 2026

Non-QM loans use common-sense underwriting. Your approval is based on your real financial picture — not tax loopholes or write-offs.

Credit Score: 620–740+ depending on program
Down Payment: Typically 10–25%
Reserves: 3–12 months depending on risk
Property Type: SFR, condo, 2–4 units, investment property
Cash Flow: DSCR qualifies based on rental income
Business Strength: For bank statement or P&L loans

Your specific scenario determines the best Non-QM option — which is why working with an experienced Non-QM strategist is essential.

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Non-QM Loan Rates in 2026

Non-QM rates depend on documentation type, credit score, reserves, and property risk.

Bank Statement: ~6.99%–9.50%
DSCR: Based heavily on DSCR ratio & market risk
Asset-Based: Competitive when liquidity is strong
Stated Income: Higher due to limited documentation

We structure your loan to get the most competitive rate available based on your actual financials.

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Who Non-QM Loans Are Best For

Self-employed business owners
Real estate investors
Contractors & 1099 earners
Borrowers with complex tax returns
Borrowers buying investment property
Borrowers wanting to use assets instead of income
Borrowers recently turned down by a bank

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Start Your Non-QM Loan Approval

We specialize in helping self-employed borrowers and real estate investors qualify quickly with minimal friction.

Tell us your income situation, business structure, and goals — we’ll map out the smartest Non-QM options available in 2026.

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Non-QM Loan FAQ

Are Non-QM loans risky?

No. They require strong equity, common-sense underwriting, and responsible qualification.

Are Non-QM loans the same as subprime?

No. Subprime allowed unverified income and low equity. Non-QM requires real documentation — just not traditional tax returns.

Is a Non-QM loan temporary?

It can be. Many borrowers refinance into conventional loans once income stabilizes.

Do Non-QM loans report to credit bureaus?

Yes. They function the same as a traditional mortgage in terms of credit reporting.

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