San Diego County Non-QM Loans
Alternative mortgage financing for self-employed borrowers, investors, and non-traditional income scenarios. Qualify without W-2s or tax returns using bank statements, 1099 forms, asset depletion, or rental income. Expert Non-QM guidance from licensed California mortgage brokers.
What Are Non-QM Loans?
Non-Qualified Mortgage (Non-QM) loans are alternative mortgage products designed for borrowers who do not meet traditional Qualified Mortgage (QM) guidelines established by the Consumer Financial Protection Bureau. These loans provide flexible documentation options for self-employed borrowers, real estate investors, foreign nationals, and individuals with non-traditional income or credit situations.
Key Difference: Traditional QM loans require W-2 income verification, full tax returns, and strict debt-to-income ratios. Non-QM loans accept alternative documentation such as bank statements, 1099 forms, asset depletion, or rental income (DSCR), making homeownership accessible for borrowers with complex financial profiles.
Income-Based Non-QM Programs
Alternative income verification methods for self-employed and non-traditional income borrowers.
1099 Income Loans
Qualify using 1099 forms from contractors, freelancers, or gig economy work. No W-2 or tax returns required—just documented 1099 income history.
Profit & Loss Loans
CPA-prepared profit and loss statements used for income qualification. Ideal for business owners with strong cash flow but complex tax situations.
Interest-Only Loans
Lower monthly payments with interest-only period (5-10 years), then convert to principal and interest. Strategic cash flow management for investors and high-income borrowers.
Investor & Rental Property Programs
No personal income verification—qualify based on property rental income or investment strategy.
DSCR Loans
Qualify based on rental income (Debt Service Coverage Ratio) without personal income verification. Perfect for San Diego County investment properties.
Hard Money Loans
Fast-close asset-based financing (7-14 days) for fix-and-flip projects, bridge financing, or time-sensitive purchases. Minimal documentation required.
Bridge Loans
Short-term financing to bridge gap between property purchase and sale, or before permanent financing. Fast approval for time-sensitive transactions.
ADU Financing
Construction and permanent financing for Accessory Dwelling Units (ADUs) in San Diego County. Qualify using projected ADU rental income.
Specialty Non-QM Programs
Unique situations requiring specialized underwriting and documentation approaches.
Bank Statement Loans
12-24 months of bank statements used for income calculation. No tax returns required—ideal for self-employed borrowers with business write-offs.
Asset-Based Loans
Qualify using liquid assets (stocks, bonds, retirement accounts) instead of income. Perfect for retirees or high-net-worth individuals without traditional income.
Foreign National Loans
Mortgage financing for non-U.S. citizens without SSN or U.S. credit history. International income and assets accepted for San Diego County properties.
Who Benefits from Non-QM Loans?
- Self-Employed Borrowers: Business owners, freelancers, contractors who write off expenses and show lower taxable income
- Real Estate Investors: Portfolio landlords, fix-and-flip investors, short-term rental operators needing fast financing
- High-Net-Worth Individuals: Asset-rich borrowers without traditional W-2 income (retirees, trust beneficiaries)
- Foreign Nationals: International buyers purchasing San Diego County real estate without U.S. credit or SSN
- Credit Event Recovery: Borrowers recovering from bankruptcy, foreclosure, or short sale outside conventional waiting periods
- Complex Income Situations: 1099 contractors, commission-based professionals, seasonal workers with variable income
Why Choose Solve Lending & Realty for Non-QM Loans
As a family-owned mortgage brokerage serving San Diego County, we specialize in Non-QM financing for borrowers who do not fit traditional lending guidelines. Our expertise in alternative documentation mortgages ensures you receive strategic guidance tailored to your unique financial situation.
Our Non-QM Approach: We analyze your complete financial profile, identify the optimal Non-QM program for your situation, and structure your loan application to maximize approval odds while minimizing rate. Whether you're self-employed, an investor, or have non-traditional income, we coordinate the underwriting process to present your financial strength in the most favorable light.
San Diego County Mortgage Specialist
Kiyoshi Inui
Co-Founder | Solve Lending & Realty
NMLS #1173299
Co-founder of Solve Lending & Realty, specializing in Non-QM financing for self-employed borrowers and real estate investors in San Diego County. Expert guidance on alternative documentation mortgages and complex income qualification. Not providing legal or tax advice.
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For information educational purposes only and does not provide legal or tax advice. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. By submitting above, I authorize an affiliated Solve Lending & Realty representative to call me, send text messages and emails to me about property valuations and financing options at the number entered above even if I'm on a National or State "Do Not Call" list. You can opt-out anytime, data and message rates may apply.
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