★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★★★★★★“The process was easy and she was persistent and did not let us fall through.”— Gioconda, Hudson NC★★★★★“Had answers to every question we had and helped us every step of the way. Would definitely recommend.”— Trey, Marietta GA★★★★★“Our situation was a bit unusual and she was still able to make everything a breeze!”— Bradd, Williamsburg VA★★★★★“Micheal went through every part of the process and explained to us in detail so we were well informed.”— Quincy, Kannapolis NC★★★★★“Very quick and very easy process. Their team is too good. I really recommend them!”— Ketan Patel, Wesley Chapel FL★★★★★“Always available and ready to explain and answer any questions I had. Very professional!”— Sheryl, Griffin GA★★★★★“Step by step took me thru the process and worked day and night to the finished line.”— Miguel, Clementon NJ★★★★★“I felt I was dealing with a friend rather than a loan officer. She managed to get the best possible interest rate.”— Deborah, Honea Path SC★ 485+ Five-Star Reviews on LendingTree ★
Purchase

Non-QM Loans: Flexible Financing Beyond Traditional Guidelines

Non-QM (non-qualified mortgage) loans are designed for borrowers whose financial situations don’t fit neatly into conventional or government-backed loan guidelines. Whether you’re self-employed, have a non-traditional income structure, or recently experienced a credit event, non-QM loans provide an alternative path to homeownership with flexible underwriting that looks beyond standard documentation requirements.

At IH Lending, we work with specialized wholesale lenders who offer a range of non-QM products, allowing us to match borrowers with programs that fit their unique financial profiles.

Common Non-QM Loan Programs

  • Bank statement loans: Qualify using 12-24 months of personal or business bank statements instead of traditional tax returns — ideal for self-employed borrowers whose tax deductions reduce their reported income.
  • DSCR loans: Debt Service Coverage Ratio loans for investment properties, where qualification is based on the property’s rental income rather than your personal income. Learn more about our DSCR program.
  • Asset-based loans: Use your liquid assets — savings, investments, retirement accounts — to demonstrate your ability to repay, even without traditional employment income.
  • Interest-only loans: Make lower monthly payments during an initial period by paying only the interest, with the option to pay principal when you choose.
  • Recent credit event loans: Programs designed for borrowers who have experienced a bankruptcy, foreclosure, or short sale and want to purchase a home before the standard waiting periods required by conventional lenders.

Who Should Consider a Non-QM Loan?

  • Self-employed professionals: Business owners, freelancers, and contractors who have strong cash flow but lower reported taxable income due to legitimate write-offs.
  • Real estate investors: Borrowers building a rental portfolio who need income qualification based on property cash flow rather than personal earnings.
  • Foreign nationals: Non-U.S. citizens looking to purchase property in the United States, often with alternative documentation requirements.
  • Borrowers with complex finances: High-net-worth individuals, retirees living off investments, or anyone whose income doesn’t conform to traditional documentation standards.

Why Choose IH Lending for Your Non-QM Loan?

Non-QM lending requires deep product knowledge and access to the right lenders. Our team stays current on the latest non-QM programs and works closely with you to identify the best fit — whether that’s a bank statement loan, asset depletion program, or DSCR product. We make creative financing feel straightforward.

Purchase

Refinance