Non-QM Home Loans
Non-QM home loans are designed for self-employed borrowers and real estate investors who need flexible qualification options using bank statements, assets, rental income, or alternative documentation when traditional mortgage guidelines don’t fit their situation.
Self Employed Home Loans
Banks Statement Loans. 1099 Only Loans. CPA Profit & Loss Loans. Asset Based Loans. Asset Depletion Loans.
DSCR Loans for Investors
1-4 Unit DSCR Loans. 5-10 Unit DSCR Loans. Blanket Mortgages. Flix & Flip. Foreign National Loans. DSCR Second Home Equity Loans.
Non-QM Home Equity Loans
Bank Statement Home Equity Loans. DSCR Home Equity Loans.
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Find the Right Non-QM Loan For You
Not every borrower fits traditional mortgage guidelines. Whether you’re self-employed, an investor, or have a unique income situation, Equinox Home Financing offers flexible Non-QM loan solutions designed to help you achieve your financing goals.
Explore our loan programs below to see which option fits your needs, and let our experienced team guide you through the qualification process.
Flexible Non-QM Mortgage Solutions for Self-Employed Borrowers and Real Estate Investors
Whether you’re buying a home, refinancing, or expanding your investment portfolio, Equinox Home Financing offers Non-QM loan programs designed for borrowers who don’t fit traditional mortgage guidelines.
If you’re self-employed, own multiple businesses, have significant tax write-offs, or earn income that doesn’t fit a standard W-2 model, qualifying for a conventional mortgage can be challenging. Our Non-QM loan solutions allow eligible borrowers to qualify using alternative documentation such as bank statements, asset depletion, profit and loss statements, rental income, and other non-traditional methods.
With flexible underwriting options and experienced loan specialists, we help borrowers secure financing based on their overall financial strength, not just what’s shown on a tax return.
✅ No tax returns required for many programs
✅ Financing options for self-employed borrowers
✅ Investor-friendly DSCR loan programs
✅ Purchase and refinance options available
Frequently Asked Questions
What Are Non-QM Loans?
Non-QM (Non-Qualified Mortgage) loans are flexible mortgage programs designed for borrowers who may not qualify for traditional loans due to self-employment, variable income, real estate investments, or unique financial situations.
Who Qualifies for a Non-QM Loan?
Non-QM loans are ideal for self-employed borrowers, business owners, freelancers, real estate investors, retirees, and anyone whose income is not easily documented through traditional tax returns or W-2s. Equinox Home Financing offers flexible Non-QM loan solutions designed to help home-buyers with unique income situations.
What Documentation Is Needed for a Non-QM Loan?
Documentation varies by program and may include bank statements, 1099s, rental income, asset statements, or profit and loss statements instead of traditional tax returns.
How Do You Apply for a Non-QM Loan?
Simply complete an application, discuss your income and goals with a mortgage advisor, submit the required documentation, and our team will guide you through approval and closing.
Why Is Equinox Home Loans a Top Non-QM Lender?
Equinox Home Loans specializes in Non-QM financing, offering competitive solutions for self-employed borrowers and investors with expert guidance, flexible programs, and a streamlined process.
What Types of Non-QM Loans Are Available for Self-Employed Borrowers?
Popular options include Bank Statement Loans, 1099 Loans, Asset Depletion Loans, and Profit & Loss Loans that help business owners qualify without relying solely on tax returns. Equinox Home Financing specializes in working with non-traditional earners who don’t fit traditional mortgage guidelines.
What Types of Non-QM Loans Exist for Investors?
Investors can access DSCR Loans, rental portfolio financing, cash-out refinances, interest-only options, and financing for long-term or short-term rental properties. Equinox Home Financing offers all of these loan programs to its investor clients.
What Down Payment Is Required for Non-QM Loans?
Most Non-QM loans require a down payment of 10% to 20%, though requirements vary based on credit score, property type, occupancy, and overall borrower profile.
Why Are Non-QM Rates Higher?
Non-QM rates are typically higher because lenders take on additional risk by offering more flexible underwriting and alternative income documentation options.
What Credit Scores Are Needed for Non-QM Loans?
Many Non-QM programs are available for borrowers with credit scores starting in the mid-600s, with better pricing and more options generally available at higher scores.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Why Equinox?
Here at Equinox Home Financing, we pride ourselves on providing solutions to self employed home buyers and borrowers. If you can’t provide proof if income or you are like most other business owners who have an overage of tax deductions, we can help you!
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
Get financing now!