Non-QM Investor Loan
A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- $75,000 – $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 1099-only, wvoe, asset-depletion, dscr-only
- Property types
- -
- States
- most states
Highlights
- •Up to 90% CLTV
- •1 year self-employed allowed
- •Asset utilization for income
- •No reserves required
- •ITIN and DACA eligible
- •DSCR options available
- •Asset utilization can supplement other income
- •DSCR, ITIN, and DACA eligible
- •Non-QM lender paid compensation up to 2.75%
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 5/15/2026. Not a commitment to lend. NMLS info available on request.