Non-QM Investor Loan
Investment property loan program utilizing profit and loss statements for income qualification.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 80%
- Minimum DSCR
- -
- Loan amount
- -
- Documentation
- p-and-l
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •85% LTV for owner-occupied purchase and rate-term refinance
- •80% LTV for owner-occupied cash-out
- •80% LTV for non-owner occupied purchase and rate-term refinance
- •Service business expense factor 10%
- •Product business expense factor 20%
- •No sourcing of large deposits
- •First-time homebuyer allowed
- •Rural properties allowed
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.