Understanding Non-QM Loans

Not every borrower fits into the traditional mortgage box — and that’s where Non-QM (Non-Qualified Mortgage) programs come in.

A Non-QM Loan is a flexible mortgage solution designed for real estate investors, self-employed borrowers, and entrepreneurs who don’t qualify under standard income verification guidelines. Instead of relying on W-2s, tax returns, or strict DTI ratios, Non-QM loans evaluate your overall financial picture — including assets, cash flow, property income, or credit profile.


At Creare Capital Lending, we specialize in delivering fast, asset-based Non-QM financing tailored to each borrower’s needs. 

Key Benefits of Non-QM Loans

No Traditional Income Verification – Qualify using bank statements, DSCR, or asset utilization.

Flexible Credit Guidelines – Ideal for borrowers with limited documentation or recent credit events.

Fast Closings – Close in as little as 2–4 weeks.

Programs for Self-Employed & Real Estate Investors

Interest-Only and 30-Year Fixed Options Available

Up to 85% LTV

Foreign Nationals & ITIN Borrowers Eligible

Nationwide Lending Coverage


Whether you’re purchasing, refinancing, or expanding your investment portfolio, Creare Capital’s Non-QM solutions help you secure capital — without the red tape of traditional banks

Who Are Non-QM Loans For?

   Non-QM programs are designed for borrowers who may not meet conventional lending

criteria but have the financial strength to support real estate investments.


They’re ideal for:

  • Self-Employed Borrowers
  • Real Estate Investors (Long-Term or Fix & Flip)
  • Foreign Nationals & ITIN Borrowers
  • Borrowers with Complex Tax Returns
  • Retirees or Individuals with High Assets but Low Documented Income


   If you’ve been turned away by traditional lenders due to income documentation,

employment type, or credit seasoning, a Non-QM loan from Creare Capital Lending may

be your best option.

Types of Non-QM Loan Programs We Offer

At Creare Capital Lending, our Non-QM products include:

  • DSCR Loans (Debt Service Coverage Ratio) – Qualify using property cash flow.
  • Bank Statement Loans – Use 12–24 months of business or personal deposits to verify income.
  • No-Doc / No-Income Verification Loans – Qualify based on assets and credit.
  • Asset Utilization Loans – Use liquid assets to qualify.
  • Foreign National Loans – Financing for non-U.S. investors.
  • 1099 & P&L Loans – Qualify using annual income summaries instead of W-2s or

returns.


Each loan type is structured to provide speed, flexibility, and creative financing for both

residential and commercial investment properties.

Why Borrowers Choose Creare Capital Lending

  • Direct Private & Non-QM Mortgage Lender
  • Nationwide Programs with Fast Approvals
  • Investor-Driven Underwriting
  • Dedicated Loan Officers for Every Scenario
  • Transparent Terms & No Hidden Fees
  • 24–48 Hour Pre-Approvals


Our team understands real estate investors and business owners — we look beyond

traditional paperwork to focus on asset value, income potential, and investor experience.

Ready to Qualify for a Non-QM Loan?

Unlock your next investment opportunity with a Non-QM Loan from Creare Capital Lending.

Fast approvals, flexible terms, and asset-based underwriting — designed for modern investors and self-employed borrowers.

Speak with a Non-QM Loan Specialist at Creare Capital Lending Today!

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Frequently Asked Questions (FAQ)

  • What does Non-QM mean?

    Non-QM stands for “Non-Qualified Mortgage.” It’s a type of loan that doesn’t meet standard agency guidelines (Fannie Mae/Freddie Mac) but offers flexible approval options.

  • Do Non-QM loans have higher interest rates?

    Slightly higher than conventional loans, but they offer much greater flexibility for borrowers with unique income situations or non-traditional credit.

  • Can I get a Non-QM loan without tax returns?

    Yes — many of our programs, such as Bank Statement, DSCR, or No-Doc loans, don’t require tax returns.

  • Are Non-QM loans only for investors?

    No — they’re also available for self-employed borrowers, business owners, and foreign nationals purchasing investment or second homes.

  • How fast can a Non-QM loan close?

    Most Non-QM loans close within 2–4 weeks, depending on the loan program and documentation provided.