FlexPoint specializes in flexible Non-QM mortgage programs — Bank Statement, Asset Depletion, and DSCR loans — for borrowers who don't fit the conventional mold.
No credit pull required · Response within 24 hours
Each program is built for a specific borrower profile — find the one that fits your financial picture.
Your tax write-offs shouldn't disqualify you from homeownership. Qualify using 12–24 months of bank deposits — no W-2s or tax returns needed.
Significant savings or investments but limited monthly income? We convert your liquid assets into qualifying income — no regular paycheck required.
Let the rental property qualify the loan. We analyze the property's cash flow — not your personal tax returns — for investment purchases and refinances.
If any of these describe you, there's likely a path forward at FlexPoint.
Write-offs reduce taxable income but your cash flow is strong
Growing a rental portfolio and need income-free qualification
Assets are substantial but W-2 income is low or nonexistent
Variable income that doesn't fit a traditional application
Personal income doesn't reflect actual business performance
Turned down by another lender — we have options others don't
Thousands of loans funded for borrowers just like you — with integrity, speed, and zero judgment.
Most borrowers hear from a specialist within one business day.
Bank statements, assets, or rental income — choose what fits.
Jumbo Non-QM available for luxury and large investment portfolios.
Never required for Non-QM. Simpler docs, faster close.
Industry professionals with thousands of loans funded over a decade.
Borrowers with non-traditional income who found their solution at FlexPoint.
Two banks turned me down because of my write-offs. FlexPoint used my bank statements and closed my loan in under three weeks.Bank Statement Loan
I'm retired with significant assets but low monthly income. FlexPoint's asset depletion program made buying my dream home simple — no job offer letter needed.Asset Depletion Loan
I've closed 4 rental properties with FlexPoint using DSCR loans. No personal income docs — just lease agreements. The process keeps getting smoother.DSCR Loan
Takes less than 60 seconds. No credit pull. A Non-QM specialist will follow up within 24 hours.
By submitting, you consent to be contacted by a FlexPoint loan advisor. This is not a commitment to lend. Restrictions apply. Some products may not be available in all states.
A Non-Qualified Mortgage (Non-QM) doesn't follow standard income documentation guidelines set by Fannie Mae and Freddie Mac. Instead of W-2s and tax returns, Non-QM loans use alternative verification — like bank statements, assets, or rental income — to qualify well-qualified borrowers who are simply unconventional.
Many of our Non-QM programs accept credit scores starting at 620. Some programs can accommodate lower scores depending on compensating factors like a larger down payment or significant liquid assets.
We review 12 or 24 months of bank statements and calculate your average monthly deposits. For business accounts, an expense factor is typically applied — letting self-employed borrowers qualify on real cash flow, not just taxable income after deductions.
Yes. Many DSCR programs accept short-term rental income using a market rent appraisal, current booking history, or a combination of both.
Non-QM loans at FlexPoint typically close in 21–30 days after a complete file is submitted. Our team works proactively to keep your timeline on track.
Licensed under NMLS #243082. All programs comply with applicable federal and state lending laws.
Our team has funded thousands of loans over more than a decade serving borrowers nationwide.
Honest guidance with no pressure. We find the solution that truly fits your situation.
Confirm at NMLSConsumerAccess.org — NMLS #243082.
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NMLS#243082
