If you’re self-employed, a business owner, or a 1099 earner, a traditional mortgage can feel impossible — your tax returns don’t tell the real story of your income.
Non-QM loans fix that. These videos explain how bank statement, 1099, P&L, asset depletion, and DSCR loans work, and how qualified borrowers get approved without jumping through W-2 hoops.
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Conventional lenders judge you on your taxable income — the number after every deduction and write-off.
That’s great for your tax bill and terrible for your loan application, because on paper it can look like you barely earn a thing.
Plenty of successful business owners get denied not because they can’t afford a home, but because the traditional formula wasn’t built for how they get paid.
Non-QM loans exist precisely to solve this.
Bank statement loans qualify you on deposits, not tax returns — ideal for self-employed borrowers with strong cash flow.
1099 loans use your 1099 income directly.
P&L loans lean on a profit-and-loss statement. Asset depletion loans let you qualify off your assets when income is hard to document.
And DSCR loans qualify investment properties on the rent they generate rather than your personal income.
Different doors into the same house — these videos help you find the one that fits.
Non-QM doesn’t mean no standards — it means *different* standards.
Non-QM loans can cover a wide variety of borrowers from those with a credit event, to self-employed and investors. However, expect to show up with a reasonable down payment, and documentation of your real cash flow (bank statements, 1099s, or a P&L).
Rates run a bit higher than conventional to reflect the flexibility, but for borrowers who’d otherwise be shut out, that trade is often well worth it. These videos set honest expectations so you know where you stand before you apply.
Wondering if you’d qualify? Take Mortgage Match and we’ll point you to the right program.
More information and useful guides about Non-QM loans.
A mortgage that doesn’t follow the standard “qualified mortgage” income rules — designed for self-employed borrowers, investors, and others whose income doesn’t fit the traditional box.
Yes. [Bank statement loans](/bank-statement-loans/), 1099 loans, and P&L loans qualify you on your real cash flow instead of your tax-return income.
A loan that uses 12–24 months of bank deposits to verify income instead of tax returns — built for self-employed borrowers with healthy cash flow.
It varies by program, but stronger credit unlocks better terms. We’ll tell you where you stand — [start here](/mortgage-match).-
Take our free 45-second quiz and find the best loan for your unique situation. Click Mortgage Match and watch the magic happen!
