Non-Traditional Loans for Self-Employed and Investors
At Minute Mortgage, we aim to make the loan application process easy and accessible to everyone.
Along with our most popular financing product offerings, we offer various options for non-traditional mortgages (AKA non-QM, or non-conforming loans) — these are loans that are great for self-employed buyers or investors!
These loans aren’t required to meet government-sponsored entity guidelines for qualified mortgages but are available to buyers with alternative types of documentation.
Non-Traditional Mortgage Options:
Asset-Based Loan: Secure a mortgage by leveraging your seasoned, high-balance, personal liquid assets as qualifying income documentation.
Debt Service Coverage Ratio Loan (DSCR): Purchase investment property without documenting personal debt-to-income requirements, instead qualifying on potential cash flow from the subject property.
Bank Statement Loans: Purchase or refinance your primary or second home by submitting eligible asset statements to verify self-employment income, in lieu of providing tax returns.
Our friendly Minute Mortgage loan experts are solely focused on getting you the best loan terms possible — no sales pressure, just a dedicated team to lend a hand, and some money!