Self-Employed? Investor? There's a Loan for That.
Can't qualify for a traditional mortgage? I offer DSCR loans, bank statement loans, and non-QM options for self-employed borrowers and real estate investors across Florida.
DSCR Loans Florida
For real estate investors: qualify based on the property's rental income (Debt Service Coverage Ratio), not your personal W2 income. No tax returns or pay stubs required for the property. This no income verification mortgage option is ideal for buying or refinancing investment properties. An investor mortgage Florida borrowers trust for building a portfolio. Typical credit 620+, 15-25% down.
Bank Statement Loan Florida
For self-employed borrowers and business owners: use 12-24 months of bank deposits instead of tax returns to show income. A bank statement loan Florida self-employed and 1099 professionals use when their tax returns don't reflect true cash flow. Non-QM loans Florida lenders offer for business owner home loan situations. Credit typically 660+, 10-20% down depending on program.
Asset Depletion / Asset-Based Non-QM
For retirees or high-net-worth borrowers with non-traditional income: qualify based on assets (savings, investments) rather than employment income. Useful when income is low but assets are strong. Asset-based non-QM loans Florida options exist for situations that don't fit the standard mold. Typically 680+ credit, 20-30% down.
Find the Right Non-QM Program for Your Situation
Whether you need a self-employed mortgage Florida, an investor mortgage Florida, or another non-QM option, let's find your path.
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