Non-QM loans don’t require government’s guidelines.

You can use a non-traditional source of income such as Bank Statements, Profit & Loss, 1099, and others.

Great alternative option when you don’t have a 2 years employment history.

Non-QM loans is the most used option for non-residential buyers, using ITIN number.

DSCR is another type of Non-QM loans that you use the rental income the property to qualify.