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Non-QM investor loans are business-purpose real estate loans designed for non-owner-occupied investment properties. They allow flexible qualification using rental income, business cash flow, or assets instead of traditional tax returns.
No. These programs are for non-owner-occupied investment properties only, including long-term and short-term rental properties.
Most Non-QM investor programs start around 600–660 FICO, depending on the loan type, property, and leverage.
Loan amounts generally range from $100,000 up to $3,000,000+, depending on the program, property type, and investor profile.
Income qualification depends on the program and may include:
Tax returns are not required for many programs.
Yes. Interest-only payment options are available on select Non-QM investor loan programs.
Eligible properties commonly include:
Yes. Many programs allow LLC or entity ownership, depending on the loan structure and investor profile.
Reserve requirements vary by program and loan-to-value (LTV). Lower LTVs may reduce or eliminate reserve requirements.
Initial reviews and pre-qualification can often be completed within 24–48 hours, once basic information is received.
Click Get Pre-Qualified to submit a short form. A licensed Non-QM loan expert will review your scenario and follow up with options.