Non-QM Investor Loan
Alternative documentation loan program offering 12-month bank statement options up to 90% LTV, asset depletion, and P&L options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- -
- Documentation
- 12mo-bank-stmt, p-and-l, asset-depletion
- Property types
- -
- States
- most states
Highlights
- •12-month bank statements up to 90% LTV
- •Asset depletion to 85% LTV
- •Divide qualified assets by 48 months
- •P&L loans accepted with CPA, PTIN, EA, or CTEC
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/14/2026. Not a commitment to lend. NMLS info available on request.