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Luxury Los Angeles home
Non-QM Loans

Outside the box?
We have a loan
for that.

Non-qualified mortgage programs for borrowers whose income story doesn’t fit the traditional mold.

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Understanding Non-QM

What is a Non-QM loan?

Non-QM (non-qualified mortgage) loans are mortgage programs that fall outside the standard agency guidelines. They’re not subprime — they’re alternative documentation programs designed for real borrowers with non-traditional income profiles.

Programs

Non-QM loan types
available in Los Angeles

Bank Statement
Bank Statement Loans
12–24 months of bank statement deposits qualify you. No tax returns needed.
  • Self-employed borrowers
  • Personal or business accounts
  • Up to $3M+ loan amounts
DSCR
DSCR Loans
Investment property loans based on rental income. No personal income docs required.
  • Rental property cash flow qualifies
  • Close in LLC name
  • No limit on properties
Asset Depletion
Asset Depletion
Use liquid assets to derive qualifying income. Ideal for retirees or high-net-worth buyers.
  • Stocks, bonds, retirement accounts
  • No employment needed
  • Calculated monthly income
1099 / P&L
1099 & P&L Programs
Alternative documentation for contractors and business owners using 1099s or CPA-prepared profit and loss statements.
  • Independent contractors
  • Gig economy borrowers
  • CPA-prepared P&L
Who Benefits

Non-QM is the answer when
traditional says no

These programs exist because real borrowers — with real income and real assets — don’t always fit into a standard box.

Self-Employed
Business owners, freelancers, and entrepreneurs whose write-offs reduce taxable income.
Real Estate Investors
Investors who want to qualify based on property cash flow rather than personal income.
High-Net-Worth
Retirees and asset-rich borrowers who can qualify through asset depletion programs.
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Find your Non-QM lane

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