Non-QM, DSCR & Bank Statement Loans for Investors & Self-Employed Buyers
No tax returns? Multiple properties? Rental income? Get financing built for real estate investors and business owners — fast pre-qualification with no impact to your credit to check.
- DSCR loans qualified on rental income, not your W-2
- Bank statement loans for self-employed borrowers
- Fast pre-qualification & competitive investor terms
Get pre-qualified
Tell us about your goal and a loan specialist will reach out with options.
Loan programs built for how you actually earn
DSCR investor loans
Qualify based on the property's rental income (debt service coverage ratio) — no personal income docs required.
Bank statement loans
Self-employed? Use 12–24 months of bank statements instead of tax returns to prove income.
Scale your portfolio
Finance multiple properties and unlock cash-out refinances to keep growing.
Guided from application to close
A loan specialist manages your file end-to-end so you close on time.
Non-QM DSCR Loans
DSCR (Debt Service Coverage Ratio) loans let real estate investors qualify on the cash flow of the property — perfect for LLCs, portfolios, and buyers who don't want to show tax returns.
- Qualify on rental income vs. personal income
- Purchase, rate-and-term, and cash-out refinance
- Vesting in an LLC available
Bank Statement Loans
Designed for self-employed borrowers, business owners, and 1099 earners whose tax returns don't reflect their true income.
- 12–24 months personal or business bank statements
- No tax returns or W-2s required
- Primary, second home, or investment property
Frequently asked questions
What is a DSCR loan?+
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on whether the property's rental income covers its debt payments — not your personal income. It's popular with investors who want to skip tax-return documentation.
Do bank statement loans require tax returns?+
No. Instead of tax returns, lenders review 12–24 months of bank statements to calculate qualifying income — ideal for self-employed borrowers.
Can I close in an LLC?+
Yes, many DSCR programs allow you to vest title in an LLC. We'll confirm the specifics with your chosen lender.