What are unconventional home loans?

Unconventional mortgage loans are home loans that do not follow the standard bank or government-agency playbook. They are often used when a borrower’s income, credit history, property type, documentation, or investment strategy does not fit a traditional loan. Common examples include DSCR loans, bank statement loans, profit and loss loans, 1099 loans, asset-based loans, foreign national mortgages, and cannabis income mortgage options.

Are unconventional loans the same as Non-QM loans?

Many unconventional mortgage options are considered Non-QM loans. Non-QM stands for non-qualified mortgage, which generally means the loan does not follow the same income, documentation, or underwriting rules used for standard conventional mortgages.

Why would someone need an unconventional mortgage?

A borrower may need an unconventional mortgage if their income, tax returns, credit history, property type, or investment strategy does not fit traditional lending guidelines. These programs are often useful for self-employed borrowers, real estate investors, retirees, foreign nationals, and borrowers with complex financial profiles.

Can I get a mortgage without tax returns?

Yes, some mortgage programs allow eligible borrowers to qualify without traditional tax-return income. Depending on the situation, options may include bank statement loans, DSCR loans for investment properties, asset depletion mortgages, profit and loss statement loans, 1099 mortgage programs, or other Non-QM loan options.

Can self-employed borrowers qualify with bank statements?

Yes, many self-employed borrowers may qualify using personal or business bank statements instead of traditional W-2 income or tax returns. These programs can be helpful when tax returns do not fully reflect a borrower’s real cash flow.

CALL TODAY:

TAP TO CALL TODAY:

(813) 212-8293

Mortgage Options Beyond the Traditional Box

Unconventional Home Loans for Real-World Borrowers

You do not need perfect tax returns, flawless W-2s, or a traditional lending profile to find the right mortgage. We help real estate investors, self-employed borrowers, foreign nationals, cannabis professionals, and asset-based borrowers explore flexible Non-QM, DSCR, and specialty mortgage options.

__________________________________________________________________

Find the Right Mortgage Path

Start with the option that best fits your situation.

__________________________________________________________________

HAVE A QUESTION?

Have a question or unusual scenario? Ask a mortgage pro before starting an application. No application required.

BROWSE LOAN PROGRAMS

Explore loan options for investors, self-employed borrowers, foreign nationals, cannabis professionals, and credit-challenged buyers.

FIND THE RIGHT LOAN PROGRAM

Answer a few quick questions and get pointed toward possible loan options.

__________________________________________________________________

Not sure which loan fits your situation?

Unconventional lending and Non-QM loans can be confusing. We’ll help you sort through your options before you start an application.

__________________________________________________________________

New to Unconventional Home Loans?

Unconventional home loans, Non-QM mortgages, and specialty lending programs can feel confusing at first. These quick answers explain how flexible mortgage options may help borrowers who do not fit traditional lending guidelines.

What are unconventional home loans?

Unconventional mortgage loans are home loans that do not follow the standard bank or government-agency playbook. They are often used when a borrower’s income, credit history, property type, documentation, or investment strategy does not fit a traditional loan.
Common examples include DSCR loans, bank statement loans, profit and loss loans, 1099 loans, asset-based loans, foreign national mortgages, and cannabis income mortgage options.
Are unconventional loans the same as Non-QM loans?

Many unconventional mortgage options are considered Non-QM loans. Non-QM stands for “non-qualified mortgage,” which generally means the loan does not follow the same income, documentation, or underwriting rules used for standard conventional mortgages.
Why would someone need an unconventional mortgage?

A borrower may need an unconventional mortgage if their income, tax returns, credit history, property type, or investment strategy does not fit traditional lending guidelines.
These programs are often useful for self-employed borrowers, real estate investors, retirees, foreign nationals, and borrowers with complex financial profiles.

Can I get a mortgage without tax returns?

Yes, some mortgage programs allow eligible borrowers to qualify without traditional tax-return income. Depending on the situation, options may include bank statement loans, DSCR loans for investment properties, asset depletion mortgages, or other Non-QM loan programs.

Can self-employed borrowers qualify with bank statements?

Yes, many self-employed borrowers may qualify using personal or business bank statements instead of traditional W-2 income or tax returns. These programs can be helpful when tax returns do not fully reflect a borrower’s real cash flow.

What is a DSCR loan?

A DSCR loan is an investment property loan that focuses on the property’s rental income rather than the borrower’s personal income. DSCR stands for Debt Service Coverage Ratio, which compares rental income to the property’s mortgage payment. Unlike traditional mortgages, no tax returns or personal income is used to qualify.

Can foreign nationals get a U.S. mortgage?

Yes, foreign nationals may be eligible for U.S. mortgage financing, including options for personal-use properties and investment properties. Program requirements vary, but foreign national mortgage options may allow borrowers without standard U.S. credit or income documentation to be considered.

How do I know which loan option is right for me?

The right loan path depends on your property type, occupancy, income documentation, credit history, citizenship status, and overall goal. You can browse our loan programs, use the Unconventional Program Finder™, or ask a mortgage pro before starting an application.

UNCONVENTIONAL PROGRAM FINDER™

Not sure where to start?

Our Program Finder asks a few simple questions about your property, income, credit, and loan goals, then points you toward possible mortgage options that may fit your situation.

Start the Program Finder »

__________________________________________________________________

Browse Loan Programs

QUICK LINKS:

________________________________________

__________________________________________________________________

Investor & DSCR Loans

DSCR Investment Property Loans

🔥 TOP PROGRAM!

Our DSCR loan options let real estate investors qualify based on the property’s rental income instead of personal income.

A strong fit for rental property purchases, investment property refinances, and investors who want to avoid tax-return-based income verification.

__________________________________________________________________

Use rental income or DSCR-based criteria to finance investment properties without relying on traditional personal income documentation.

We offer a diverse selection of DSCR programs to accommodate a wide range of investor scenarios.

Self-Employed Mortgage Options

1099 Mortgage Program

Qualify using 1099 income instead of traditional tax returns.

Built for independent contractors, gig workers, freelancers, and other 1099 earners.

Bank Statement Second Mortgage

Use bank statements to qualify for a second mortgage without relying on tax returns.

This can be useful for accessing home equity without refinancing your first mortgage.

Profit & Loss Statement Loans

Use a CPA-prepared profit and loss statement to help qualify.

A good option when tax returns or bank statements do not clearly show current business income.

Bank Statement Home Loans

Use personal or business bank statements to document income instead of tax returns.

Built for self-employed borrowers, business owners, and contractors with consistent deposits.

Qualify with alternative income documentation, including bank statements, profit and loss statements, 1099 income, or other flexible documentation options.

__________________________________________________________________

Foreign National Mortgages

Designed for non-U.S. citizens buying or refinancing U.S. real estate.

Options may be available with no U.S. income, no U.S. tax returns, or limited U.S. credit history.

Mortgage options for non-U.S. citizens buying or refinancing U.S. real estate, including select options with limited U.S. credit or income documentation.

__________________________________________________________________

Asset-Based & Asset Depletion Loans

Asset-Based Home Loans

Qualify using eligible liquid assets instead of traditional income.

A good fit for borrowers with strong savings, retirement accounts, investment accounts, or other qualifying assets.

Use eligible liquid assets to help qualify when traditional income documentation does not tell the full story.

__________________________________________________________________

Cannabis Income Mortgage Options

Use eligible cannabis or hemp industry income to help qualify for a mortgage.

Options are available for W-2 employees, business owners, contractors, and self-employed borrowers in the legal cannabis industry.

Mortgage options for eligible cannabis industry employees, business owners, and professionals whose income may not fit traditional lending guidelines.

__________________________________________________________________