Non-QM Loans
Alternative documentation for investors, entrepreneurs, and borrowers with unique income or assets.
A financing strategy built for your goals.
Non-QM lending offers additional ways to document the ability to repay when standard agency rules do not fit your situation. Neev helps you compare programs, costs, and documentation before you choose.
At a glance
- Bank statement and 1099 options
- DSCR investment loans
- Asset-based and foreign-national options
How non-qm loans work
Bank statement loans
Eligible self-employed borrowers may use personal or business deposits in place of traditional tax-return income calculations.
DSCR investor loans
Certain rental property programs focus on the property’s cash flow and debt service coverage ratio.
Other paths
Depending on lender availability, asset depletion, ITIN, foreign national, and profit-and-loss programs may be considered.
Who this may fit
Every situation is different. This program can be a useful starting point for:
- Self-employed professionals
- Rental property investors
- Asset-rich borrowers
- Foreign nationals and ITIN borrowers
Neev can help you compare it with other available options using your actual income, assets, property, and goals.
Questions about non-qm loans
Does non-QM mean no documentation?
No. Alternative programs still require documentation and underwriting, though the type of documents can differ from conventional loans.
Are rates different?
Rates, fees, down payment, and reserve requirements vary by program and borrower profile. We review the full terms with you.
Let's explore your non-qm loans options.
You'll get a real conversation, clear tradeoffs, and a financing plan shaped around your goals.