When the W-2 Box Says No, This Wing Says "Show Me the Real File."
Non-QM lending reads the documents that actually describe how you earn: bank statements, assets, a property's own rent. Same rigor, different paperwork.
The W-2 Box, in Three Sentences.
Traditional underwriting reads a paycheck and a tax return. It struggles with anyone whose file doesn't fit that format: business owners, investors, ITIN families, retirees. Non-QM lending exists because the box was never going to change fast enough.
What "Alt-Doc" Really Means.
Alternative documentation is not absent documentation. Alt-doc programs verify ability to repay the same way any lender must: they simply read the documents that actually describe your economy. Twelve or twenty-four months of bank statements. A CPA-prepared profit and loss. A schedule of assets. A property's own rent roll. Same rigor. Different paperwork.
The Specialty Depth Pages.
Self-Employed Solutions
Bank statement, P&L only, and 1099 programs.
Investor Financing
DSCR: the property qualifies, you don't have to.
Fix and Flip
Purchase plus rehab, judged on ARV, funded in days.
ITIN and Foreign National
Homeownership without an SSN. Investment loans from abroad.
Asset-Based and Credit Event
Qualify on what you own. Recover from what you survived.
Equity Acceleration Mortgage
A different kind of mortgage entirely: the one that works like a checking account.
Program availability, terms, and qualification vary by scenario.
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