Alternative documentation

A strong borrower does not always fit neatly into a W 2 box.

Non QM financing can create another path for self employed borrowers, 1099 earners, investors, and clients with substantial assets but nontraditional income documentation. John helps determine whether a standard mortgage still works first, and when it does not, which alternative documentation options are worth comparing.

John Bramley
Loan Originator · USMC Veteran
NMLS 192835
Licensed in SC, GA, and NJ

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Non QM Loans

Understand the structure before you choose it.

Flexible financing for borrowers whose income, assets, or investment profile may not fit a standard qualified mortgage framework. John can walk through the details, compare lender guidelines, and show how the choice affects payment, cash to close, flexibility, and qualification.

Borrowers who may benefit from a Non QM review

Self employed business owners
Independent contractors and 1099 earners
Real estate investors using rental cash flow
Borrowers with strong assets but limited taxable income
Borrowers whose recent financial history falls outside standard agency guidelines

Programs that may be available

Bank statement qualification
DSCR financing for qualifying investment properties
Asset based or asset depletion qualification
Alternative income documentation
Interest only structures on selected lender programs

What John helps compare

How each lender calculates qualifying income
Required reserves and down payment
Rate and cost differences versus conventional financing
Prepayment terms when applicable
Whether the flexibility of a Non QM program is worth the tradeoff

Common questions

Non QM Loans FAQ

Does Non QM mean bad credit?

No. Non QM describes loans that do not meet the standard Qualified Mortgage framework. Many Non QM borrowers have strong credit but document income differently.

Can bank statements be used instead of tax returns?

Some programs may use bank statements or other alternative documentation. The exact method and period reviewed vary by lender.

What is DSCR financing?

DSCR programs generally evaluate an investment property's rental cash flow relative to its debt obligation rather than qualifying primarily from the borrower's personal employment income.

See what this looks like for your numbers.

John can compare the available structures against the property, income, credit, equity, and goals in front of you.

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Program availability, eligibility, rates, costs, and guidelines vary by borrower, property, state, lender, and market conditions. This page is general educational information and is not tax, legal, or financial advice and is not a commitment to lend. John Bramley · NMLS 192835 · Barrett Financial Group, L.L.C. · NMLS 181106.