A Non-QM (Non-Qualified Mortgage) is a home loan that doesn't meet the standard requirements for a Qualified Mortgage, making it suitable for borrowers with unique financial situations, such as self-employed individuals or those with high debt-to-income ratios. 

At Creare Capital Lending, speed is everything. Most loans receive a pre-approval within 24–48 hours, and we can close certain programs in as little as 7–21 business days, depending on the complexity of the loan. Our streamlined process ensures you get fast answers and a smooth path to closing.

Submitting a new loan scenario is simple. You can:

Submit directly through our online portal,

Email your scenario to our lending team, or

Call to speak with a loan specialist who will guide you through program options and next steps.

Our experienced lending team is always available to structure creative financing that fits your goals.

To apply for a Non-QM mortgage with Creare Capital Lending, begin by connecting with our team of specialists who are experts in Non-QM financing. We'll guide you through gathering the necessary alternative documentation, such as bank statements or profit and loss statements, to verify your income and assets. Submit your application, and we'll assess your eligibility based on our flexible guidelines. Once approved, we'll help you review the loan terms and move smoothly through the closing process to secure your mortgage.

To qualify for a DSCR loan, your property’s rental income must be sufficient to cover the monthly loan payments. We typically look for a DSCR ratio of at least 1.0, meaning the property generates enough income to cover its debt obligations. Additional factors like credit score and property type may also be considered.

We pride ourselves on our speed and efficiency. Depending on the loan type, we can close in as little as 7–10 business days for streamlined programs, and 10–21 days for more complex transactions. Our in-house underwriting and document coordination help ensure your deal closes on time and without delays.

Because we specialize in Private and Non-QM lending, we look at the entire financial picture — not just your credit score. While some programs start around 620 FICO, others focus primarily on the property’s performance or asset value. Even if your credit isn’t perfect, we can often structure a solution that fits your situation.