DSCR, Non-QM & Hard Money Loans Equity. Property. Purpose. Timeline. Tell us your deal, and we'll tell you what fits.
The right loan starts with the right questions. Work one-on-one with a licensed loan expert who reviews your deal, compares DSCR, Non-QM, and hard money options, and gives you a straight answer on what fits.
Takes about a minute · No obligation
Built for deals that don't fit a conventional box.
Each program qualifies on something different. Pick the one that matches how your deal works.
DSCR Loans
Qualifies on LTV and the property's rental cash flow, not your personal income. No tax returns or W-2s for income.
See DSCR requirements → NQNon-QM Loans
Qualifies with bank statements, a P&L, or 1099s instead of tax returns, built for income that doesn't fit a W-2.
See Non-QM documentation → HMHard Money Loans
Qualifies on property equity, exit strategy, and timeline. Asset-based bridge financing when speed matters.
See hard money terms →Not sure which fits? Tell us your deal or call (866) 569-2877, and we'll point you to the right one.
Tell us the deal. Get a straight answer.
- Share your scenarioProperty type, loan amount, equity, purpose, and timeline.
- We review and compareA licensed loan expert matches your deal against DSCR, Non-QM, hard money, and conventional options.
- Get a clear answerWhat fits, what doesn't, and what documentation you'll need before you apply.
One expert. Your deal. A straight answer.
You work directly with a licensed loan expert from first conversation through closing, not a call center.
Buying, refinancing, or tapping equity?
We also compare traditional home loan options side by side, so you can see the tradeoffs before you commit.
Purchase
Get prepared and buy your next home with a clear picture of payment, rate, and fees.
Refinance
Lower your payment, change your term, or put your equity to work.
Reverse mortgage
Eligible homeowners 62+ can explore flexible options for accessing equity.
Conventional
Fixed and adjustable-rate options for primary homes and second homes.
FHA & VA
Low-down-payment options and benefits for eligible veterans.
HELOCs
Access your home's equity with a flexible line of credit.
Match your deal to the right program.
Each program qualifies you a different way. Here's what each one looks at, what you'll provide, and who it's built for.
DSCR Loans
Qualifies on the property's rental income compared with its payment, not your personal income.
Built for
- Buying or refinancing long-term or short-term rentals
- Investors who'd rather not qualify with tax returns
- Investment property only
You'll provide
- Lease, or an appraisal rent schedule for a vacant property or new purchase
- Bank statements for reserves and funds to close
- Credit report, and entity documents if closing in an LLC
Not needed for income
- Personal tax returns, W-2s or pay stubs
Non-QM Loans
Qualifies on bank statements, a CPA-prepared P&L, 1099s or assets instead of tax returns.
Built for
- Self-employed borrowers and business owners
- Tax returns that understate what you actually earn
- Primary homes, second homes and investment property
You'll provide
- 12 or 24 months of bank statements, a CPA-prepared P&L, or recent 1099s
- Proof the business exists, such as a business license or CPA letter
- Asset statements for down payment and reserves
Hard Money Loans
Short-term, asset-based bridge financing sized on the property's value and your exit plan.
Built for
- Time-sensitive purchases and short escrows
- Properties that don't qualify for long-term financing yet
- Business-purpose, non-owner-occupied property only
You'll provide
- Purchase contract, or current mortgage statement for a refinance
- Property details: type, condition and current value
- A written exit strategy, such as a refinance into a DSCR loan or a sale
Common questions
What's the difference between DSCR, Non-QM and hard money loans?
DSCR loans qualify an investment property on its rental income. Non-QM loans qualify you on alternative income documents such as bank statements or a CPA-prepared P&L. Hard money loans are short-term, asset-based bridge loans sized on the property's value and your exit plan.
Do I need tax returns to qualify?
Not for DSCR or hard money loans, which don't use your personal income to qualify. Non-QM bank statement, P&L and 1099 programs use those documents instead of tax returns.
Can I close in an LLC?
Yes for DSCR loans, which are for investment property. You'll provide your entity documents along with the standard DSCR file. For other programs, ask a loan expert about closing in an entity.
I'm self-employed and buying a home to live in. Which loan fits?
Non-QM bank statement and P&L programs are built for self-employed borrowers buying a primary home. DSCR and hard money loans are for investment property only.
How do I find out which program fits my deal?
Tell us the property, loan amount, equity and timeline. A licensed loan expert will review it and tell you which program fits and what it takes to close, with no obligation. Call (866) 569-2877 or use our contact form.
Have a deal in front of you?
Tell us the property, the loan amount, and your timeline. A licensed loan expert will tell you what fits, with no obligation.