W-2s and tax returns work for a narrow slice of borrowers. If you're self-employed, a business owner, a contractor, a retiree living off assets, or a foreign national — you need a lender that understands how you actually earn. Nine non-QM programs, no income documentation dead ends.
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Non-QM Programs
Every program below uses a different income documentation method. Your loan officer will identify which one gives you the strongest qualifying income — and in some cases, we'll run two scenarios side by side so you can see the real difference before choosing.
Your write-offs work against you on paper. Bank statement loans qualify on actual deposits — no tax returns needed.
1 or 2 years of 1099s — no full tax return required. Built for contractors and gig workers.
CPA-prepared profit & loss statement — no tax returns, no 4506-C required.
Higher loan amounts and more flexible DTI than agency — with standard income documentation.
Investment property financing for non-U.S. residents — foreign credit accepted.
Qualify on rental income — not personal income, not tax returns. First-time investors welcome. STRs allowed.
Larger residential buildings and mixed-use properties with commercial space — qualify on cash flow.
Bundle up to 25 rental properties into one loan — one closing, one payment, one process.
The Process
The process is similar to a conventional loan — the main difference is in the income documentation you gather. Here's what to expect.
We review your income situation and identify which program — or combination of programs — gives you the strongest qualifying income. In some cases, we run two scenarios side by side so you can choose with real numbers in front of you.
Documentation depends on your program: bank statements, 1099 forms, a CPA-prepared P&L, or asset account statements. We give you a specific checklist so nothing is ambiguous.
Most Non-QM borrowers receive a pre-approval decision within one business day. You'll know your loan amount, program, and rate structure before you start making offers.
Non-QM underwriting reviews your alternative documentation against the program guidelines. The process is more manual than automated — an actual underwriter reviews your file rather than just an algorithm.
With a clean file, Non-QM loans close on a timeline comparable to conventional. You're not penalized on timing just because you used alternative documentation — you get the keys on the expected date.
We review your income situation and identify which program — or combination of programs — gives you the strongest qualifying income. In some cases, we run two scenarios side by side so you can choose with real numbers in front of you.
Documentation depends on your program: bank statements, 1099 forms, a CPA-prepared P&L, or asset account statements. We give you a specific checklist so nothing is ambiguous.
Most Non-QM borrowers receive a pre-approval decision within one business day. You'll know your loan amount, program, and rate structure before you start making offers.
Non-QM underwriting reviews your alternative documentation against the program guidelines. The process is more manual than automated — an actual underwriter reviews your file rather than just an algorithm.
With a clean file, Non-QM loans close on a timeline comparable to conventional. You're not penalized on timing just because you used alternative documentation — you get the keys on the expected date.
The FlexPoint Difference
Non-QM is a specialty — not every lender does it well. Here's what you get when you work with a team that's been doing this since 1996.
Borrower Stories
Here's what Non-QM borrowers say after closing with FlexPoint.
Used a home equity loan on my primary to fund a rental property down payment. FlexPoint used DSCR income qualification — no W-2 required. One call, one team, two transactions closed within 45 days. That's the kind of lender you want when you're trying to build a portfolio.
Andre M.
Real Estate Investor
I'm a veteran and had absolutely no idea my VA benefit could get me into a home with zero down and no PMI. FlexPoint walked me through every single step — explained the funding fee, got my Certificate of Eligibility, the whole thing. My rate beat everything I saw at the big banks. I kept waiting for a catch. There wasn't one. Wish I had called them sooner instead of spinning my wheels at other lenders.
Sandra R.
U.S. Army Veteran
The right Non-QM program depends entirely on how you document your income. Tell us a little about your situation and a FlexPoint loan officer will run the numbers on every applicable program — no credit pull required to start.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions self-employed borrowers, investors, and business owners ask most about non-QM programs.
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In business since 1996 with over $5 billion in real estate loans funded.
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