Non-QM Investor Loan
Non-QM loan program utilizing profit and loss statements for income qualification.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- ? – $4,000,000
- Documentation
- p-and-l
- Property types
- sfr, 2-4-unit, condo, townhouse
- States
- most states
Highlights
- •Up to 90% LTV
- •No cash-out seasoning required
- •100% gift funds allowed
- •80% LTV using only unaudited P&L income
- •All gift funds allowed
- •1x30 mortgage late history allowed
- •No minimum tradelines with 3 FICO scores
- •Requires 2 years self-employment history
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 5/18/2026. Not a commitment to lend. NMLS info available on request.