Non-QM Loans Programs
for Self-Employed & Real Estate Investors
Are you self-employed, a real estate investor, or purchasing a unique property that doesn’t meet traditional lending guidelines? At Alpha Mortgage we specialize in Non-QM mortgage loan programs tailored for borrowers who need more flexible options than conventional home loans allow.
Bank Statement Loans
Mortgage Solutions for Self-Employed Borrowers
If you’re self-employed or a business owner, qualifying for a mortgage can be challenging when traditional income documentation doesn’t reflect your true earning potential. Our Bank Statement Loans let you use 12 or 24 months of bank statements to verify your income—no tax returns required.
Program Benefits:
- Use business or personal bank statements
- No W-2s or tax returns needed
- Loans available for primary, second homes & investment properties
- Competitive rates with flexible credit requirements
- Can be combined with co-applicants verifiable income
Who Qualifies?
- Self-employed borrowers
- Entrepreneurs & freelancers
- Gig economy workers
Call now or apply online to see if you qualify for a self-employed mortgage!
DSCR Loans
Real Estate Investment Loans with No Personal Income Docs
Our DSCR (Debt Service Coverage Ratio) Loans are designed for real estate investors who want to qualify based on rental income—not their personal finances. We focus on whether the property’s income can cover the mortgage payment.
Program Benefits:
- No personal income verification required
- Close in an LLC or personal name
- DSCR as low as 1.0 (or lower)
- Eligible for short-term and long-term rentals
- Fast closings and streamlined approval
Best For:
- Buy-and-hold investors
- Airbnb/short-term rental property owners
- Investors with multiple rental properties
Start growing your real estate portfolio with hassle-free DSCR loan financing.
Non-Warrantable Condo Loans
Financing for Unique Condo Properties
Some condos don’t qualify for traditional financing due to their non-warrantable status—usually because of litigation, high investor concentration, or low owner-occupancy. We offer Non-Warrantable Condo Loans with flexible terms and minimal restrictions.
Program Benefits:
- Finance condos with litigation or high rental occupancy
- Condotels and resort condos eligible
- Primary, vacation, and investment condos OK
- Quick approvals with minimal documentation
Who This Helps:
- Buyers of vacation or resort-style condos
- Investors in condotel or Airbnb properties
- Borrowers denied by conventional lenders
Own the condo you want—even if it’s non-warrantable. Talk to a condo loan expert today.
Why Choose Alpha Mortgage?
Specialists in Non-QM & alternative mortgage programs
Fast approvals with flexible documentation
Personalized loan solutions for unique financial situations
Experienced with complex and investment-focused lending
Get Started with a Custom Loan Quote
Take the next step toward the right loan for your needs.
Start your secure application in minutes.
Speak with a loan expert.