Non-QM Loans

Non-QM Loans — Flexible Solutions for Complex Borrowers

Self-employed? Investor? Foreign national? Traditional mortgages don't fit everyone. Our Non-QM programs are built for you.

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What is a Non-QM Loan?

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who have strong ability to repay but can't document it through traditional means — W-2s and tax returns. These programs use alternative income documentation to qualify borrowers the standard system overlooks.

Tiger Loans offers four core Non-QM programs. Whether you're a self-employed professional, real estate investor, foreign national, or retiree with significant assets, we have a pathway to ownership.

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Bank Statement

12–24 months

Use business or personal bank deposits to qualify. No tax returns required. Ideal for self-employed borrowers with strong cash flow but lower taxable income.

Self-EmployedBusiness OwnersFreelancers
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DSCR

Investor Program

Qualify based on the rental property's income, not yours. DSCR ≥ 1.0 means the rent covers the mortgage. No personal income verification required.

Real Estate InvestorsLandlordsPortfolio Builders
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Foreign National

Non-U.S. Resident

Purchase U.S. property as a non-resident alien. Primary, vacation, and investment properties available. No U.S. credit history required.

Foreign NationalsInternational BuyersNon-Residents
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Asset Depletion

Asset-Based Income

Convert liquid assets (investment accounts, savings) into qualifying income. Ideal for high-net-worth retirees or individuals with significant assets but limited W-2 income.

RetireesHigh-Net-WorthAsset Rich

Key Benefits

Alt Documentation

Bank statements, P&L statements, or asset accounts replace W-2s

No U.S. Credit Needed

Foreign national programs work without a U.S. credit history

Investor Friendly

DSCR loans let rental income carry the qualification

Creative Solutions

We find a path when traditional lenders say no

Non-QM Loan Details

Credit Score Minimum
620+ (varies by program)
Down Payment
10%–30% depending on program and LTV
Income Documentation
Bank statements · P&L · DSCR · Asset depletion
Bank Statement Period
12 months (personal) or 24 months (business)
DSCR Ratio
≥ 1.0 (rental income ÷ monthly PITI)
Foreign National Down
20%–30% typically required
Loan Terms
15, 30 years fixed · ARM options
Property Types
Primary, Second Home, Investment (varies by program)
Prepayment Penalty
May apply — varies by product (typically 3-year step-down)

*Rates are for informational purposes only. Contact us for your personalized rate quote. Non-QM program guidelines vary by lender.

Who Qualifies for Non-QM?

If traditional loans have turned you away, Non-QM may be your solution.

Ideal Borrower Profiles

  • Self-employed for 1–2+ years
  • Real estate investors (DSCR)
  • Foreign nationals buying U.S. property
  • Retirees with significant assets
  • Recent bankruptcy or foreclosure (seasoning varies)
  • High-net-worth individuals with complex income

General Requirements

  • Credit score 620+ (program-specific minimums)
  • Documented ability to repay (alternative docs OK)
  • Down payment 10%–30% depending on program
  • Property must be in Tiger Loans service area
  • Loan amounts vary — conforming to multi-million
  • Reserves may be required (varies by program)

Frequently Asked Questions

Ready for a Non-QM Solution?

Traditional mortgages weren't built for everyone. Ours are. Speak with a Tiger Loans Non-QM specialist today.

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