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Non-QM Loans for Florida Borrowers

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers whose financial picture doesn’t fit inside traditional lending guidelines. These programs focus on how you actually earn, invest, and hold wealth, not just what shows up on a W-2.

If you’re self-employed, an investor, newly arrived to the U.S., or income-rich but paper-poor, Non-QM loans may open doors that conventional financing cannot.
Bank statement loans allow self-employed borrowers to qualify using 12–24 months of personal or business bank statements instead of tax returns.

This option is ideal for business owners, freelancers, and contractors whose taxable income doesn’t reflect their true cash flow.
P&L loans use a CPA-prepared or borrower-prepared profit and loss statement to qualify income, rather than full tax returns.

This can be a strong option for business owners with:

• Recent income growth

• Write-offs that reduce taxable income

• Shorter business history
DSCR loans are designed for real estate investors and qualify based on the property’s income — not your personal income.

If the rental income covers the mortgage payment, you may qualify without providing W-2s, tax returns, or employment verification.

Popular for:

• Long-term rentals

• Short-term rentals (Airbnb / VRBO)

• Portfolio growth
Asset utilization loans allow borrowers to qualify using liquid assets such as cash, brokerage accounts, retirement funds, or trusts instead of employment income.

This is often used by:

Retirees

• High-net-worth borrowers

• Individuals living off investments

• In some cases, conventional loans may allow limited asset depletion, but Non-QM programs are typically more flexible.
ITIN loans allow borrowers without a Social Security number to purchase or refinance property using an Individual Taxpayer Identification Number.

These programs can be used for:

• Primary residences

• Second homes

• Investment properties
Foreign national loans are designed for non-U.S. residents purchasing property in Florida.

These programs typically:

• Do not require U.S. credit

• Use foreign credit references or assets

• Are common for vacation homes and investment properties

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