Non-QM
Non-QM and bank-statement financing for self-employed and non-W-2 rental property owners and homeowners.
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Non-QM Loans: Every Program for Borrowers Who Don't Fit the Box
Non-QM Loans: Every Program for Borrowers Who Don't Fit the Box
The full non-QM lineup — bank statement, DSCR, asset depletion, 1099-only, interest-only, and recent-credit-event programs — and how to tell which one actually fits your situation.
Asset Depletion Loans for Real Estate Investors: Qualifying Without Tax Returns or W-2 Income
Asset Depletion Loans for Real Estate Investors: Qualifying Without Tax Returns or W-2 Income
Asset depletion (also called asset utilization or asset qualifier) loans let a borrower qualify using liquid assets instead of tax returns or pay stubs. Learn how the math generally works, what counts as an eligible asset, and where this product fits alongside DSCR and bank statement loans.