Non-QM Loan (Non-Qualified Mortgage) is a residential loan that does not meet CFPB Qualified Mortgage safe-harbor criteria. For investor lending, this means programs that qualify on property cash flow (DSCR) or asset-based criteria rather than W-2 income verification. Non-QM is the umbrella for most investor rental loans in the network — DSCR rental, bank statement, asset-utilization, and ITIN products sit here.
Loan Programs