Loan Programs
Non-QM / DSCR Loans
Alternative documentation and investor-friendly financing for self-employed borrowers, real estate investors, and scenarios outside conventional guidelines.
Program Features
Bank statement programs (12 or 24 months)
DSCR loans qualified on property cash flow, not personal income
1099 / asset-utilization documentation options
Foreign national programs
ITIN borrower programs
Fix-and-flip and rental portfolio financing
Interest-only payment options on select programs
Credit profiles starting at 620 on many programs
Frequently Asked Questions
What is a Non-QM loan?
Non-QM (Non-Qualified Mortgage) loans use alternative documentation and underwriting standards instead of the strict ATR/QM rules that govern conventional loans. They are designed for borrowers whose income, employment, or financials don't fit traditional W-2 documentation.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is an investor-focused product that qualifies the borrower based on the rental income the subject property generates, not on the borrower's personal income. Typical minimum DSCRs start around 1.0x with stronger terms above 1.25x.
Are Non-QM rates higher than conventional?
Non-QM rates are typically priced slightly higher than conventional loans to reflect the documentation flexibility and broader risk profile. Your C2 loan officer will compare scenarios so you can choose the structure that fits your goals.
Can a self-employed borrower qualify without tax returns?
Yes — bank statement programs let you document income with 12 or 24 months of personal or business bank statements, no tax returns required. P&L-only programs are also available on certain Non-QM products.
Ready to Get Started?
Take the first step. Get a personalized quote or connect with a local loan officer today.