May use bank statements, CPA-prepared P&L, WVOE, DSCR, or asset-depletion instead of standard returns.
Loan Programs
Non-QM mortgage options for self-employed and outside-the-box borrowers
TopOne Mortgage structures Non-QM financing for borrowers who do not fit standard agency boxes, including self-employed clients, investors, and households with nontraditional income.
A Non-Qualified Mortgage does not follow standard agency rules, which opens the door to alternate documentation and more tailored underwriting. The result is often a practical path for borrowers whose tax returns do not reflect their real cash flow or whose recent credit history still needs context.
Well suited to self-employed borrowers, investors, commission earners, and clients recovering from recent credit events.
Often starts between 10 and 20 percent depending on the program and property type.
Interest-only and investor-friendly ownership options can be available on select products.
Why Borrowers Choose This Program
Non-QM Loan advantages at a glance.
- No-tax-return solutions for qualified bank-statement and DSCR scenarios.
- Investor-friendly structures including LLC or trust ownership on the right products.
- Flexibility after bankruptcy, foreclosure, or other recent credit disruption.
- Fast digital process with straightforward lender matching based on scenario.
- Clear fee transparency and one experienced point of contact.
Frequently Asked Questions
Helpful detail before you apply.
Can I qualify without tax returns?
Yes, many Non-QM programs use bank statements, profit-and-loss documentation, DSCR, or other alternative methods instead of full tax-return analysis.
Can investors use Non-QM financing?
Absolutely. DSCR and other investor products are part of the broader Non-QM toolkit.
Do recent credit events automatically disqualify me?
No. Some Non-QM programs allow significantly shorter seasoning than agency loans.
Are interest-only options available?
Yes, on select products and borrower profiles.
Start The Process
Tell us a bit about your Non-QM Loan scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
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