Flexible
Non-QM
Loan Solutions
Non-QM financing offers more flexible qualification options for borrowers who may not fit traditional QM guidelines. These programs can be ideal for self-employed borrowers, investors, Foreign Nationals, and clients with alternative income documentation.
From Bank Statement and P&L Only to DSCR, 1099, WVOE Only, Asset Utilization, Cross Collateral, Seconds, and Foreign National options, Lendix Mortgage helps match each borrower with the right structure based on income profile, property type, and overall strategy.
In some scenarios, programs may be available with down payment options starting from 10%, depending on the lender, borrower profile, reserves, occupancy, and overall qualification. The best option depends on your specific scenario, which we can review with a free consultation.
Alternative Mortgage Solutions for Complex Income Scenarios
Designed for self-employed borrowers, investors, Foreign Nationals, and clients whose income structure may not fit traditional agency lending guidelines.
text-align:center;One Non-QM Category. Multiple Solutions.
Non-QM is not a single loan product. It is a broad category of flexible mortgage solutions designed for borrowers with non-traditional income, real estate investment strategies, or documentation that may not fit standard agency lending guidelines.
Explore the Right Program for Your Scenario
From Bank Statement and DSCR to Foreign National, 1099, P&L Only, Asset Utilization, WVOE Only, Cross Collateral, and Second Position options, each solution is designed for a different borrower profile, income structure, or financing goal.
Explore Our Non-QM Programs
Select the financing solution that best fits your scenario.
Bank Statement Loans
Designed for self-employed borrowers who may write off significant business expenses on their tax returns, Bank Statement loans allow income to be evaluated using personal or business bank statements rather than traditional tax return calculations.
- Often available with 12 or 24 months of bank statements
- Helpful for business owners, entrepreneurs, and self-employed professionals
- In some scenarios, down payment options may start from 10%, depending on lender and borrower profile
Profit & Loss Only
P&L Only programs may be a strong fit for self-employed borrowers who need a simpler alternative to full tax return documentation. Depending on the lender, a profit and loss statement prepared by a CPA, tax preparer, or borrower may be used as part of the qualification review.
- Designed for self-employed income scenarios
- May reduce the need for full traditional income documentation
- Program details vary by lender and overall borrower strength
Asset Utilization
Asset Utilization programs allow certain borrowers to qualify by using eligible liquid assets as an income source for mortgage qualification. This can be useful for high-net-worth borrowers, retirees, or clients with strong reserves but non-traditional monthly income flow.
- Useful for borrowers with substantial eligible assets
- Can help when taxable monthly income is limited
- Lender formulas and eligible asset types vary by program
WVOE Only
WVOE Only loans rely primarily on a Written Verification of Employment rather than traditional paystub and tax return documentation. This option can help certain salaried or commissioned borrowers whose scenario fits lender-specific alternative documentation guidelines.
- Simplified documentation approach in eligible cases
- Helpful for select employment structures
- Program availability depends on lender and borrower profile
1099 Only Loans
1099 Only programs are designed for independent contractors and self-employed borrowers who earn income reported on 1099 forms. Instead of relying solely on full tax return analysis, these programs may use 1099 income as the basis for qualification, subject to lender guidelines.
- Ideal for contractors, consultants, and gig-economy earners
- Alternative to traditional agency income calculation
- Qualification depends on consistency, reserves, credit, and overall file strength
DSCR Investor Loans
DSCR loans are built for real estate investors and qualify the transaction primarily based on the property’s debt service coverage ratio rather than the borrower’s personal income. These programs can be especially attractive for expanding a rental portfolio.
- Qualification focuses on property cash flow
- Great for 1–4 unit investment properties and broader investor scenarios depending on lender
- Strong option for portfolio growth without traditional income documentation
Foreign National Loans
Foreign National programs are designed for non-U.S. residents looking to purchase or invest in U.S. real estate. Depending on the lender and program, qualification may be based more on property strength, down payment, reserves, and documentation such as passport and asset verification rather than U.S. income or U.S. credit history.
- No U.S. income may be required in certain DSCR-style scenarios
- No U.S. FICO may be needed depending on lender guidelines
- No visa may be required in some cases, subject to program rules
Cross Collateral Options
Cross collateral structures may create additional flexibility by leveraging equity from another property to strengthen the overall financing strategy. These are specialized scenarios and should always be reviewed case by case.
- May help increase leverage in structured transactions
- Can strengthen certain investor or complex financing scenarios
- Requires individualized review based on property mix, equity, and exit strategy
Second Position Financing
Second position financing may be used to access equity while keeping an existing first mortgage in place. Depending on the scenario, this can be a practical solution for liquidity, strategic investing, or layered financing.
- May allow equity access without replacing the first mortgage
- Can support liquidity, investment, or structured financing goals
- Program availability depends on lien position, property strength, and overall borrower profile
Not Sure Which Non-QM Program Fits Best?
Non-QM is not one single product. The right option depends on your income type, property type, occupancy, reserves, down payment, and overall borrower strength. We offer a free consultation to review your scenario and help determine the most suitable path.