Up To 100% Financing · $0 Down Options · ITIN & Expired SSN Eligible

Flexible Property Loans$50K To $3M — No Traditional Credit Required

1 Loan, 2 Properties. Use equity to buy property. Purchase or refinance investment homes, land, multifamily, and mobile homes on land — all with fixed interest rate options and fast, flexible financing.

$0 Down Property Loans

Use Equity To Buy Property

1 Loan, 2 Properties

Up To 100% Financing

Land & Multifamily Loans

Mobile Homes On Land

Fixed Interest Rate Options

ITIN & Expired SSN Eligible

Call Now — See Your Options(877) 885-0111
Purchase Or Refinance
Fast, Flexible Financing
5-Star Service
Your Financing Options

Flexible Property LoansFor Every Scenario

From investment properties to land, multifamily, and mobile homes — we offer fast, flexible financing from $50K to $3M with fixed interest rate options. No traditional credit checks required.

Bank Statement Program

Use 12 or 24 months of personal or business bank statements instead of tax returns. Perfect for self-employed borrowers with strong deposits.

  • Personal or business statements accepted
  • 100% of deposits counted as income
  • No tax transcripts required

P&L Statement Loans

Qualify using a CPA-prepared or self-prepared profit & loss statement. Ideal for business owners with strong revenue but high write-offs.

  • CPA or self-prepared P&L accepted
  • No tax returns needed
  • 12 or 24 months business history

Asset Depletion Loans

Use your liquid assets to qualify without traditional income. Great for retirees, high-net-worth individuals, or those with large savings.

  • Assets "depleted" over loan term as income
  • No employment verification
  • Retirement, investment accounts accepted

And more options available — including DSCR, stated income, and no-ratio programs.

See Which Program Fits You

Who Is ThisFor?

If any of these describe you, our flexible property loan programs are your perfect fit.

Self-Employed

Business owners, freelancers, 1099 contractors who write off expenses on taxes but have strong cash flow.

High-Net-Worth

Significant assets but minimal reported income. Use bank statements or asset depletion to qualify.

Gig Workers

Rideshare drivers, delivery partners, and gig platform earners with consistent deposits but no W2.

Real Estate Investors

Portfolio investors who need flexible financing. DSCR and no-ratio programs also available.

Retirees

Asset-rich but income-light. Asset depletion or bank statement programs let your savings do the work.

Foreign Nationals

Non-U.S. citizens seeking U.S. property financing. ITIN and foreign national programs available where eligible.

Not sure which program fits? Let our experts guide you.

Call Now (877) 885-0111
Simple 3-Step Process

Your Path toApproval

No tax returns. No W2s. No stress.

1

Give Us A Call

Speak directly with a non-QM specialist. No documents needed upfront — just basic info to get started.

~5 minutes
2

Expert Consultation

A non-QM specialist will review your situation and discuss the best program options tailored to you.

Fast turnaround
3

Get Approved

Submit bank statements or P&L — no tax returns. Close in as little as 21 days with our streamlined process.

Close in 21 days

Non-QMFAQs

Quick answers to common questions about non-QM mortgages.

What exactly is a Non-QM loan?
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don't fit traditional lending guidelines. Unlike conventional loans that require tax returns, W2s, and strict debt-to-income limits, non-QM loans use alternative methods to verify income — like bank statements, P&L statements, or asset depletion. They're ideal for self-employed borrowers, business owners, investors, and anyone with strong finances but non-traditional income documentation.
Do I really not need tax returns to qualify?
Correct! With our bank statement program, you provide 12 or 24 months of bank statements instead of tax returns. For P&L programs, a profit and loss statement can suffice. Asset depletion programs don't require income documentation at all — they qualify you based on your liquid assets. This means no tax transcripts, no W2 forms, and no traditional employment verification for the right programs.
What credit score do I need for a Non-QM loan?
Non-QM programs are typically available with credit scores starting at 620, though some programs may require higher scores. The exact minimum depends on the specific program, loan-to-value ratio, and other factors. We work with a wide range of credit profiles — call us and we'll match you to the best program for your situation.
How fast can I close on a Non-QM loan?
Most non-QM loans close in 21-30 days from application to funding. Since we're not waiting on IRS tax transcripts and the underwriting process is more focused on the specific documentation program you're using, closings can be surprisingly fast. Some streamlined programs close in as little as 14 days.
What types of properties are eligible?
Non-QM loans are available for primary residences, second homes, and investment properties. We cover single-family homes, condos, townhomes, and 2-4 unit multi-family properties. Loan amounts up to $3 million are available depending on the program and property type.
Are Non-QM interest rates higher than conventional loans?
Non-QM rates are typically slightly higher than conventional loans because these programs serve borrowers who don't fit traditional guidelines. However, many of our clients find the rate difference is well worth the flexibility — especially compared to the alternative of not qualifying at all. We'll present you with competitive options and help you evaluate the best fit.

Still have questions?

Our non-QM specialists are ready to help you explore your options.

Call Now (877) 885-0111

Important Disclosure

Non-QM (Non-Qualified Mortgage) loans are not qualified mortgages under the Ability-to-Repay rule. These programs use alternative documentation methods — including bank statements, profit & loss statements, and asset depletion — instead of traditional tax return and W2 verification.

Interest rates, APR, terms, and qualification requirements vary by program, loan amount, property type, loan-to-value ratio, credit profile, and documentation method used. Not all programs are available in all states. Loan approval is not guaranteed and is subject to underwriting review and final approval.

Equitable Lending is an equal housing lender. NMLS #1124483. Licensed by the Department of Financial Protection and Innovation under the California Financing Law #60DBO-81145, and by the California Department of Real Estate #01941713. For a full list of state licenses, visit our licensing page.

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