Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Perfect for business owners and self-employed professionals.
Key Features
- No tax returns required
- 12 or 24 month bank statement options
- Up to 90% LTV available
- Purchase, refinance, or cash-out
- Primary residence, second home, or investment
- Competitive interest rates
Basic Requirements
- 12-24 months of bank statements
- Minimum 600 credit score
- Proof of business ownership or self-employment
- Standard appraisal required
Real Success Story
Self-employed contractor in Los Angeles purchased a $850,000 home with only 15% down. Qualified using 12 months of business bank statements showing consistent deposits. Closed in 21 days.
Qualify based on the property's rental income, not your personal income. No tax returns, no W-2s, no pay stubs required.
Key Features
- No personal income verification
- Qualify on rental income alone
- Up to 80% LTV
- 30-year fixed rates available
- 1-4 unit properties
- Cash-out refinance available
Basic Requirements
- DSCR ratio of 1.0 or higher preferred
- Minimum 620 credit score
- Appraisal with rent schedule
- 6-12 months reserves required
Investor Success
Real estate investor in Phoenix acquired a 4-unit property generating $6,500/month in rental income. No personal income documentation required. DSCR of 1.25 qualified for 75% LTV.
Qualify based on your liquid assets rather than traditional income. Ideal for retirees, trust fund beneficiaries, and investors with significant assets.
Key Features
- Qualify using stocks, bonds, and liquid assets
- No employment verification
- Assets divided over loan term for qualifying income
- Up to 80% LTV
- Purchase or refinance
- Flexible documentation
Basic Requirements
- Significant liquid assets (typically $500K+)
- Minimum 660 credit score
- Asset statements from financial institutions
- Standard appraisal
Retirement Success
Retired executive in San Diego purchased a $1.2M home using $2.5M in liquid assets for qualification. No employment income required. Assets depleted over 360 months provided qualifying income.
Purchase U.S. real estate without U.S. credit history or citizenship. Available for primary residence, second home, or investment properties.
Key Features
- No U.S. credit history required
- No SSN needed
- International income accepted
- Up to 70% LTV
- Purchase or refinance
- Various property types accepted
Basic Requirements
- Valid passport and visa
- Proof of international income
- Larger down payment (typically 30-40%)
- International credit report (if available)
International Buyer
Business owner from Canada purchased a $750,000 condo in Miami as a second home. No U.S. credit history. Qualified using international income documentation and 35% down payment.
Loan Program FAQs
Common questions about our NON-QM loan programs and qualification requirements.
What Our Clients Say
"As a business owner, I was turned down by three banks. NS Funding got me approved in 3 weeks using my bank statements."
Michael R.
Restaurant Owner, NJ
"The DSCR loan process was seamless. No income docs, just the rental numbers. Closed on my 5th property in 21 days."
Sarah T.
Real Estate Investor, FL
"Professional, responsive, and they actually understand NON-QM lending. Best mortgage experience I've had."
David K.
Self-Employed, NY