🧾 Non-QM Loans
Great borrowers don’t always fit in a W-2 box
Non-QM (non-qualified mortgage) programs exist for financially strong borrowers whose income doesn’t document the traditional way: business owners whose tax returns understate cash flow, investors who qualify on a property’s rents, and retirees with assets instead of paychecks. These are fully underwritten loans — the documentation is just shaped to match how you actually earn.
Is this you?
Non-QM Loans tend to be a great fit for…
- Self-employed buyers using 12–24 months of bank statements
- Real estate investors qualifying on rental cash flow (DSCR)
- Retirees and high-asset borrowers using asset-based qualification
- 1099 contractors and borrowers with recent credit events
Questions friends actually ask
Non-QM Loans: straight answers
What is a Non-QM loan?
A mortgage that doesn’t follow the standard qualified-mortgage documentation rules — qualifying you instead through bank statements, rental income (DSCR), 1099s, or assets. They’re fully underwritten loans with real standards; the paperwork just matches non-traditional income.
Are Non-QM rates higher than conventional rates?
Typically somewhat, because the documentation risk profile differs — pricing depends on your down payment, credit, and program. Dominick prices your scenario both ways when you’re close to qualifying conventionally, so you choose with real numbers.
How do DSCR investor loans work?
The property qualifies more than you do: underwriting compares the market rent to the payment (the debt-service coverage ratio). Strong rentals can qualify with limited personal income documentation, which is why investors scaling portfolios use them.
Keep exploring
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →Not sure if non-qm loans are right for you?
That’s literally what Dominick is for. One conversation, all your options side by side, zero pressure to move forward.