Flexible Financing When Traditional Lending Falls Short
Coldwell Lending Group provides flexible financing solutions for borrowers with unique financial situations. Whether you're self-employed, a business owner, a real estate investor, or have non-traditional income, we'll help you find a lending solution that fits your financial goals.
What is a Non-QM Loan?
Not every qualified borrower fits into a bank's lending guidelines. Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who may not meet the strict qualification requirements of traditional or government-backed loan programs.
These are the deals we get done when the banks say no.
With flexible underwriting and alternative income documentation, Non-QM loans are an excellent solution for self-employed individuals, business owners, real estate investors, and borrowers with unique financial situations.
A Non-QM loan uses alternative methods to verify a borrower's ability to repay, allowing lenders to look beyond traditional W-2 income and tax returns. These programs are designed to provide financing solutions for borrowers whose financial profile doesn't fit conventional lending guidelines.
Non-QM Loan Programs We Offer
Bank Statement Loans
Ideal for self-employed borrowers and business owners who may not show enough taxable income on their tax returns.
Available Options:
Profit & Loss (P&L) Statement Loans
Qualify using a professionally prepared profit and loss statement instead of traditional income documentation. A great option for self-employed borrowers looking for a streamlined qualification process.
DSCR (Debt Service Coverage Ratio) Loans
Designed specifically for real estate investors, DSCR loans qualify primarily based on the property's rental income rather than the borrower's personal income. This makes them an excellent financing option for purchasing or refinancing investment properties without traditional income verification.
