Questions, answered plainly.

Non-QM stands for “non-qualified mortgage.” It simply means the loan doesn’t fit the rigid income-documentation box the government defines for conventional loans. It is not a subprime or high-risk loan — it’s a common-sense loan for borrowers whose income is real but doesn’t show up in the usual W-2 format.

Yes. Foreign National programs let international buyers finance U.S. property using their assets and the property itself, with no requirement for a U.S. credit score, Social Security number, or residency.

Absolutely — this is the heart of what I do. Bank-statement and P&L programs qualify you on the cash flow moving through your accounts rather than your net taxable income, so write-offs don’t work against you.

With a DSCR loan, qualification is based on the property’s rental income covering the payment — not your personal debt-to-income. That lets investors keep buying even after conventional lenders say they’ve reached their limit.

They’re typically a bit higher than conventional rates because of the flexibility, but for strong profiles the difference is smaller than most people expect — and it’s the difference between owning and not owning. I’ll always show you the real numbers up front.

Book a free, no-obligation consultation. We’ll talk through your situation, I’ll tell you honestly which program fits, and you’ll leave the call knowing your path — even if that path is “not yet.”