Your Income Doesn't Fit the Box. Your Loan Shouldn't Have To.
Bank statement loans, DSCR rentals, asset depletion, foreign nationals — if a traditional lender said no, we have a program built for you.
Great Borrowers Aren't Always "Qualified Mortgages"
Traditional loans use W-2s and tax returns as the only proof of income. But millions of Americans — freelancers, business owners, investors, and retirees — have complex finances that don't play by those rules.
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Alternative Income Documentation
Qualify using 12–24 months of bank statements, 1099s, P&L statements, or liquid assets instead of tax returns.
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Flexible Credit Guidelines
Recent credit events like a bankruptcy or foreclosure don't automatically disqualify you. We look at the full picture.
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Investment Property Friendly
DSCR loans let investors qualify based on the property's rental income — not their personal income.
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Foreign National Programs
Non-U.S. citizens and those without a Social Security number can still purchase or invest in U.S. real estate.
Non-QM Loan Options
Every borrower is different. We match you to the program that works with your real financial story.
Bank Statement Loans
Self-employed? Use 12 or 24 months of personal or business bank statements to verify income — no tax returns needed.
DSCR Investment Loans
Qualify based on the property's rental income, not yours. Ideal for real estate investors scaling their portfolios.
1099 / Gig Worker Loans
Contractors, consultants, and gig workers can qualify using 1099 income and a simple verification process.
Asset Depletion Loans
High net-worth but no regular paycheck? We can calculate qualifying income from your investment and retirement assets.
P&L Statement Loans
Business owners can use a CPA-prepared Profit & Loss statement — a fast, simple way to verify business income.
Foreign National Loans
Non-U.S. citizens can purchase or refinance U.S. property. No SSN required in most cases.
You May Qualify Even If a Traditional Lender Said No
If any of these sound familiar, a Non-QM loan could be the answer.
🔧 Self-Employed
Write-offs lower your taxable income but you still earn well.
📈 Real Estate Investor
Multiple properties, LLCs, or complex ownership structures.
🏖️ Recent Retiree
No paycheck, but substantial savings, assets, or pensions.
📉 Credit Event
Bankruptcy, foreclosure, or short sale in your recent history.
✈️ Foreign National
Buying U.S. property without a Social Security Number.
🚗 Gig Economy
Rideshare, delivery, freelance — income varies month to month.
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Competitive Rates Non-QM rates are slightly higher than conventional, but still competitive given your situation.
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Loan Amounts Up to $3M+ Jumbo Non-QM programs are available for high-value properties.
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10–30% Down Payment Down payment requirements vary by program, credit score, and property type.
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Fast Closings Our team is experienced with Non-QM processing. Expect 30-day closings in most cases.
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Primary, Second & Investment Programs available for all property types including condos, multi-family, and vacation homes.
Not sure which program fits? Tell us your situation and our Non-QM specialists will match you to the right product — at no cost and no obligation.
Talk to a SpecialistFrom Inquiry to Closed in 4 Steps
We've streamlined our Non-QM process so you spend less time on paperwork and more time on what matters.
Free Consultation
Tell us your story. A Non-QM specialist will identify the right program for your income and goals.
Gather Documents
We'll request only what we need — bank statements, 1099s, or assets. No unnecessary paperwork.
Approval & Terms
We present your options clearly, with full transparency on rates, fees, and loan terms.
Close & Move On
Get closed — fast. Our average Non-QM closing time is under 30 days.
Borrowers Who Thought They Couldn't Qualify
I'm self-employed and my tax returns show almost nothing after deductions. Accurate found me a bank statement loan that closed in 28 days. Couldn't believe it was that easy.
We own 6 rental properties and traditional lenders kept counting our debt too high. The DSCR loan was a game-changer. Accurate walked us through every step.
I retired early and live off investments. Three banks turned me down. Accurate structured an asset depletion loan and we closed on our dream home in under 30 days.
Let's Find the Right Loan for Your Situation
Stop letting traditional guidelines stand between you and homeownership. Our Non-QM specialists are ready to help.