Non-QM loan programs backed by Origin Mortgage's expertise. Flexible qualifying, realistic documentation requirements, competitive terms.
For real estate investors focused on rental income
Qualify based on the property's rental income, not personal tax returns. No income verification required when the property cashflows cover the debt.
Investor buying a single-family rental that generates $3,200/month. The mortgage payment is $2,600/month. DSCR of 1.23 qualifies without showing W-2s or tax returns.
For self-employed borrowers with inconsistent tax returns
Qualify using 12 or 24 months of business or personal bank statements. Income calculated from deposits, not tax returns — ideal for business owners writing off expenses.
Contractor whose tax returns show $60K income after deductions, but bank deposits average $12K/month. Qualifies for a loan based on actual cashflow, not taxable income.
For borrowers with substantial assets but limited traditional income
Qualify using liquid assets like savings, retirement accounts, or investment portfolios. Assets are converted to a monthly income figure based on a set depletion schedule.
Retiree with $800K in investment accounts but no W-2 income. Assets depleted over 84 months calculate to $9,500/month qualifying income for a home purchase.
For borrowers with traditional income but non-traditional credit or property
Standard income verification (W-2s, tax returns, paystubs) but flexible on credit history, property type, or loan structure. Good for borrowers who don't fit agency overlays.
W-2 employee with steady income but a bankruptcy 18 months ago. Full doc verifies ability to repay; non-QM accepts shorter seasoning on credit events.
For non-U.S. citizens purchasing U.S. property
Financing for foreign nationals without U.S. credit history or Social Security numbers. Income can be verified from home country; no U.S. tax returns required.
Canadian business owner buying a vacation home in Arizona. No SSN, income documented from Canadian sources, qualified based on global financial picture.
For high-value properties with flexible qualifying needs
Loan amounts above conforming limits with non-QM qualifying flexibility. Combines jumbo loan size with bank statement, asset depletion, or alternative doc options.
Self-employed consultant buying a $1.8M home. Qualifies via bank statements with a $1.5M loan amount — too large for conforming, income too variable for traditional jumbo.
For borrowers prioritizing cashflow or short-term ownership
Interest-only payment periods (typically 10 years) on purchase or refinance. Reduces monthly payment in the early years, ideal for investors or borrowers expecting income growth.
Investor buying a fix-and-flip property with a 2-year exit plan. Interest-only payments keep monthly costs low while renovating and staging for resale.
We offer a full lineup of non-QM solutions
Additional programs include cash-out refinance, second homes, investment property portfolios, and custom structures for complex scenarios.
[SUPPLY: Full program list or contact for scenario desk to discuss unique borrower situations]
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