Non-QM Investor Loan
A non-QM program for self-employed borrowers that uses a CPA, EA, or CTEC-prepared profit and loss statement to determine income, eliminating the need for bank statements.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- ? – $3,000,000
- Documentation
- p-and-l
- Property types
- sfr, 2-4-unit, condo
- States
- most states
Highlights
- •No bank statements required
- •P&L must be prepared by CPA, EA, or CTEC
- •100% gift funds allowed
- •Interest only available
- •Primary, second home, and investment properties eligible
- •Co-borrower W2 income allowed
- •Minimum expense factor 10% for service, 20% for product business
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 5/22/2026. Not a commitment to lend. NMLS info available on request.