Alternative mortgage solutions for self-employed borrowers, investors, and anyone who doesn’t fit traditional lending guidelines. Qualify with bank statements, P&L, assets, or rental income.
10%
Min Down
620
Min Credit
$3M+
Max Loan
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Bank statement loans (12-24 months personal or business deposits)
- P&L statement loans (CPA-prepared profit and loss)
- Asset depletion (qualify using liquid assets)
- DSCR loans (qualify on rental income, not personal)
- ITIN loans (Individual Taxpayer ID Number)
- Foreign national loans
- 1099 income loans
- Interest-only payment options available
Who Is This For?
- Self-employed business owners and entrepreneurs
- Real estate investors (DSCR)
- Foreign nationals buying Florida property
- ITIN holders
- Borrowers with complex income (multiple businesses, rental income)
- Recent credit events (shorter seasoning than conventional)
Florida-Specific Considerations
- Florida’s large self-employed population makes non-QM essential
- Popular for Miami, Orlando, and Tampa investment properties
- Florida condo investors use DSCR loans to qualify on rental income
- No Florida-specific restrictions beyond standard non-QM guidelines
- Foreign nationals buying Florida vacation/investment properties
- Can finance 1-4 unit properties, condos, and townhomes
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