The bank said no. We say: let's look at the actual numbers.
Non-QM loans qualify you the way real life works — on rental income or bank deposits, not on W-2s and tax returns. Two flagship programs below. Paulo will tell you in one call which one fits.
DSCR loans
The property qualifies — not you.
DSCR loans qualify on the rental income of the investment property. No personal income docs — no tax returns, no W-2s, no pay stubs. Up to 85% LTV, no DSCR ratio required on select programs, and LLC-friendly for investors who hold properties in an entity. For buy-and-hold investors and portfolio growth.
Bank statement loans
Self-employed? Your deposits are your income.
12–24 months of bank statements instead of tax returns. If write-offs shrink your taxable income but your deposits show the real picture, this program qualifies you on the deposits. For primary residences, second homes, or investment properties.
DSCR vs. bank statement — at a glance.
| DSCR loans | Bank statement loans | |
|---|---|---|
| Best for | Buy-and-hold investors growing a rental portfolio | Self-employed borrowers whose tax returns don't show real income |
| How you qualify | On the property's rental income — the DSCR ratio | On 12–24 months of bank deposits |
| Income docs | None — no tax returns, W-2s, or pay stubs | Bank statements instead of tax returns |
| Property types | Investment properties; LLC-friendly on select programs | Primary residence, second home, or investment property |
Non-QM FAQ
DSCR loans
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan qualifies you on the rental income of the investment property — not your personal income. It's built for buy-and-hold investors who want the property's cash flow to carry the loan.
How is the DSCR ratio calculated?
Divide the property's monthly rental income by its monthly housing payment (principal, interest, taxes, and insurance). A ratio of 1.00 means the rent covers the payment; above 1.00 means the rent exceeds it. Select programs don't require a minimum ratio at all.
Do I need personal income documents for a DSCR loan?
No. DSCR loans never require personal income documentation — no tax returns, no W-2s, no pay stubs. The property's rental income is what qualifies.
Can my LLC be the borrower?
Yes — DSCR programs are LLC-friendly on select programs, which is how most serious investors hold their rentals. Paulo will confirm the entity requirements for your specific program upfront.
Bank statement loans
What is a bank statement loan?
A bank statement loan qualifies self-employed borrowers on their bank deposits instead of tax returns. If write-offs make your taxable income look small but your deposits tell the real story, this program listens to the deposits.
How many months of bank statements do I need?
Typically 12 or 24 months of personal or business bank statements, depending on the program. Paulo will tell you which window gives you the strongest qualification before you gather a thing.
Can I use a bank statement loan for a primary residence?
Yes. Bank statement loans work for primary residences, second homes, and investment properties — unlike DSCR loans, which are for investment properties only.
What credit score do I need?
It varies by program — and some DSCR programs don't require a minimum ratio or traditional income review at all. Rather than guessing, bring Paulo your scenario: he'll tell you in one call which program fits and what it takes.
Which program fits you? Let's find out.
Start the request that matches your situation — or call Paulo and he'll point you to the right one in minutes.