Non-QM (non-qualified mortgage) lending is for borrowers whose income is real but does not fit a standard W-2 package. That includes self-employed professionals, investors buying rentals, and households with complex cash flow. Dan's Non-QM focus pairs especially well with military-adjacent markets around Whiteman AFB and Fort Leonard Wood, where side businesses and rental strategies are common.
Programs in this hub
DSCR Investor Loans
Qualify on the property's rental income and debt-service coverage, not personal tax returns.
Explore DSCRBank Statement Loans
Use 12-24 months of business or personal bank statements to document income and cash flow.
Explore Bank StatementSelf-Employed / Investor Paths
P&L-supported and alternative documentation strategies for business owners and 1099 earners.
Discuss Your ScenarioWho Non-QM often fits
- Business owners whose taxable income is lower than cash flow
- Investors purchasing or refinancing rental properties
- Self-employed borrowers denied by a bank's conventional menu
- Borrowers combining military benefits with investment goals
Frequently asked questions
Is Non-QM the same as "no doc"?
No. Modern Non-QM loans are fully underwritten. They simply measure ability to repay with bank statements, rental income, or other documentation instead of a narrow tax-return formula.
Can I use Non-QM for a primary residence?
Often yes, especially with bank statement programs. DSCR is typically for investment properties. Dan will confirm which path fits your occupancy and goals.
Do you cover my city?
Primary Non-QM coverage includes Lake of the Ozarks and the Whiteman AFB and Fort Leonard Wood clusters, plus Jefferson City, Springfield, Joplin, and St. Joseph.
What documents do Non-QM loans use instead of tax returns?
Depending on the program, lenders may review 12 to 24 months of bank statements, rental income for investment properties, or other alternative documentation. Dan's team tells you exactly what your scenario needs.
Who is Non-QM best for?
Self-employed borrowers, business owners, 1099 earners, and real estate investors whose tax returns understate their real cash flow often explore Non-QM options.