Investor & Non-QM Mortgage Solutions
Not every borrower fits inside a traditional “W-2, perfect credit, standard guidelines” box—and that’s okay. As a mortgage broker, we offer a wide range of Investor and Non-QM (Non-Qualifying Mortgage) programs designed for self-employed borrowers, real estate investors, and anyone with unique income, credit, or documentation needs.
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Real Estate Investors
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Buying or refinancing rental properties
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Building a portfolio (1 property or 20+)
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Looking for DSCR options that focus on the property’s cash flow
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Self-Employed & Complex Income Borrowers
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1099 income, business owners, commission-based earnings
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Write-offs that reduce taxable income
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Variable income, recent job change, multiple businesses
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Borrowers with Unique Situations
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Credit challenges or recent events (depending on program)
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Asset-heavy, income-light profiles
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Need flexible documentation options
Why Work With a Broker for Non-QM & Investor Loans?
Because there isn’t one “best” lender—there’s the best lender for your specific scenario. We compare multiple lender options to help you find:
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The best fit for your property type and strategy
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A competitive rate and fee structure
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The right documentation path
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A smooth, clear process with reliable communication
What We’ll Look At (Quick, Practical Overview)
To match you with the right program, we’ll review:
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Purchase price or current loan details
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Estimated property value and equity
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Credit profile and recent history
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Cash reserves (especially for investor loans)
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Rental income, lease, or market rent (for DSCR)
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Your documentation preference (tax returns vs bank statements vs other)
Common Investor Property Types We Finance
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Single-family rentals (SFR)
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Condos/townhomes (program dependent)
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2–4 unit properties (program dependent)
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Short-term rentals (Airbnb/VRBO) where eligible
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Portfolio loans and multi-property scenarios (where available)
What to Expect: Our Process
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Strategy Call (your goals + timeline)
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Scenario Review (property, credit, documentation)
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We shop multiple lenders for the best fit
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Approval + underwriting with clear updates
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Close and execute your plan