Non-QM Lending Programs Overview

At Flexpoint, we offer Non-QM (Non-Qualified Mortgage) lending programs designed for borrowers who don’t fit the traditional lending guidelines but are still well-qualified in other ways. These programs provide flexible solutions for individuals who may have had credit or income challenges in the past or who don’t meet the standard QM requirements. Whether you’re self-employed, a high-net-worth individual, or an investor, we have options that cater to your unique financial situation.

Our Most Popular Loan Options:

>    Bank Statement Loans (for self-employed borrowers):

•  Ideal for borrowers with non-traditional income documentation
• Use personal or business bank statements to verify income
• No tax returns required
• Great for self-employed individuals, freelancers, and business owner

>    Asset Depletion Loans (for high-net-worth individuals):

• For borrowers with substantial assets but limited income
• Uses liquid assets (savings, investments, etc.) to determine income
• Provides flexibility for individuals with retirement accounts or large cash reserves

>      Debt Service Coverage Ratio (DSCR) Loans (for investment/rental properties):

• Perfect for real estate investors and property owners
• Focuses on the rental income generated by the property
• No personal income verification required
• Ideal for borrowers looking to finance investment properties or rental units

Our non-QM loans offer flexibility, allowing you to work around traditional credit and income hurdles, making homeownership or investment opportunities more accessible. At Flexpoint, we’re committed to finding solutions that work for you, even if you’ve been turned down by other lenders.