The Mortgage Phoenix Group

Loan Programs

Investor Specialty Financing (Non-QM)

Investor specialty financing, also known as non-qualified mortgage (Non-QM) loans, is designed for borrowers with unique financial situations that don’t fit the criteria of traditional loans. Ideal for real estate investors, self-employed individuals, or those with non-traditional income documentation, these loans offer flexible options for purchasing properties. With fewer restrictions on income verification and credit history, Non-QM loans provide an alternative path to financing for those who may not qualify through conventional means.

Flexible

Alternative

Customizable

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Requirements

Here's what you'll need to get started.

Minimum Credit Score

A minimum credit score of 620 is typically required to qualify for a Non-QM loan, though some programs may have different requirements based on the lender’s guidelines.

Income Documentation

Instead of traditional W-2s and tax returns, borrowers can qualify using alternative income documentation, such as 12 or 24 months of bank statements, business profit and loss statements, and balance sheets.

Down Payment

A minimum down payment of 20% or greater is generally required, though the exact amount can vary depending on the specific loan program and borrower’s profile.

Debt-to-Income Ratio (DTI)

Non-QM loans may allow a DTI ratio of up to 50%, offering more flexibility than traditional loans.

Reserve Requirements

Borrowers must demonstrate up to six months' worth of mortgage payments in reserves for the property being financed.

Reserve Requirements

Borrowers must demonstrate up to six months' worth of mortgage payments in reserves for the property being financed.

How The Mortgage Phoenix Group Can Help

If you’re self-employed or have a non-traditional income stream, you may have found it difficult to qualify for a conventional loan. Our Loan Officers at The Mortgage Phoenix Group specialize in Investor Specialty Financing, offering flexible loan options like bank statement loans or profit-and-loss-based programs that don’t require traditional W-2s or tax returns. We’ll work closely with you to find the best approach, allowing you to qualify for the financing you need to grow your real estate investments or secure property as a self-employed borrower. Our mortgage planners are experts in navigating these unique financing solutions to help you succeed.

Get Started Today by Getting Pre-Qualified!