Non QM Loan Programs
Not every lender can accommodate every borrower which is why flexible loan products are necessary to help all types of borrowers from owner-occupants to investors. Perhaps your bank says your debt to income ratio is too high based on tax returns. We have loans with DTI over 50 that you may qualify for.
You don't need to always provide tax returns to qualify. Use one of the seven loan programs below which uses only bank statements, 1099 forms, profit & loss statements, or the rental income from the investment property. You'll work with a company that has access to multiple Non-QM lenders not just HomeX or Citadel.
In today's market, it is not uncommon to buy properties that were purchased a year ago for 20-40% less and went through an extensive rehab to resell for a profit. Properties like these may present seasoning issues for most lenders but there are companies with loan programs that will use today's value.
Review financing below for low documentation, cash out refinancing right after buying, and fix & flip loans.
Outside the box loans are a great option for home buyers, homeowners and investors.
1 Year Tax Return |
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Bank Statement Program |
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1099 Home Loan for Employees or Contractors |
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Profit & Loss Program |
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Liquid Assets over $500,000 |
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Loans After Foreclosure, Bankruptcy, or Short Sale |
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Low Down Payment Options |
(More Info) |
No Income Verification / Stated Income |
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Other Solutions |
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Investor Cash Flow |
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Investor Financing |
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