Non QM Loans for Alternative Income Types

Non QM Loans for Alternative Income Types

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Non QM

Conventional mortgage rules leave many buyers on the sidelines. Self-employed professionals, business owners, and gig workers often watch lenders dismiss their real income. Non QM loans step in where standard options stall, giving people with complex finances a way to buy or refinance a home.

How We Qualify Real-World Income

  • Bank Statement Income: Lenders review 12 to 24 months of deposits, not just tax returns, to see what you actually earn.
  • Asset Depletion: Retirement accounts and investment portfolios count toward your ability to repay, not just your paycheck.
  • 1099 Income: Contract and freelance work get fair consideration, even when income varies month to month.
  • Recent Credit Events: Past foreclosures or bankruptcies don’t automatically block your path. Guidelines allow for a wider range of credit histories.

Plenty of entrepreneurs and independent contractors find these options match their financial reality. Instead of forcing you to fit a mold, we look at the full situation. Bank statements, assets, and alternative income streams become tools for approval, not obstacles.

Why Our Clients Turn to Non QM Loans

  • Business Owners: Tax write-offs and deductions won’t shrink your qualifying income here. We see the real numbers behind your business.
  • Real Estate Investors: Rental income and property appreciation factor into the equation, not just your W-2.
  • Commission-Based Sales: Fluctuating paychecks get a fair shake, with income averaged and evaluated for stability.
  • Recent Career Changes: Shorter job histories don’t close doors. Your current earning power matters more.

Every year, we meet buyers who have been told “no” by traditional lenders. They run successful businesses, close deals, or manage multiple income streams, but standard paperwork doesn’t capture their true financial strength. Our Non QM programs are built for these situations, adapting to the way you actually earn and save.

What Sets Our Bank Statement Mortgages Apart

  • Personal Accounts: Regular deposits show steady income, even when paychecks don’t follow a set schedule.
  • Business Accounts: Company revenue and expenses are reviewed to calculate a realistic qualifying income, not just gross receipts.
  • Mixed Deposits: Multiple income sources, such as side gigs, investments, or business draws, can be combined for a stronger application.
  • Expense Analysis: We look at business costs and profit margins, not just top-line numbers, to get a clear sense of what you can afford.

For many growing businesses, these flexible methods open doors that would otherwise stay closed. Our team understands how to read between the lines of your bank statements, finding the real story behind the numbers. That’s how we help clients secure financing when others can’t.

Let’s Find Your Best Path Forward

Call us at 561-850-6269 or Apply Now to discuss your unique situation with our Non QM lending specialists.