When the standard checklist does not fit
Non-QM Loans for Investors and Business Owners
Non-QM, or non-qualified mortgage, loans use alternative ways to confirm you can repay. We broker business purpose Non-QM loans for borrowers in many states.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About Non-QM Loans
Not a standard borrower?
Non-QM loans do not follow the standard rules that most bank mortgages use. Instead of only tax returns and pay stubs, a lender may use rental income, bank deposits, or a profit and loss statement.
That flexibility helps investors and business owners whose finances do not look simple. It can also mean higher costs, so comparing lenders matters.
02 / See how it fits
Who It Helps
- Real estate investors
- Self-employed owners and business owners
- Borrowers with complex or irregular income
- Buyers who were declined by a bank
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- Income proof that fits the program
- Entity papers for an LLC, if you use one
- Proof of funds and reserves
- Details on the property
03 / Wherever your deal is
Non-QM Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See Non-QM Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
What does Non-QM mean?
It stands for non-qualified mortgage. It is a loan that does not follow the standard rules for most bank loans.
What types of Non-QM loans are there?
Common types include DSCR loans, bank statement loans, and profit and loss loans.
Are Non-QM loans riskier for me?
They can cost more, and terms differ by lender. Read the terms carefully and ask us questions.
Which states do you cover?
The states listed on this page. Programs vary by state and lender.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM