In 2024, Non‑QM lending accounted for about 5% of all U.S. mortgage originations, up from 3% in 2020, a trend projected to rise further in 2025 as more real estate investors look for ways to get deals done without the roadblocks of traditional lending.
In a market where income isn’t always easy to document and property types don’t always fit the box, Non-QM lending offers something investors really need: flexibility.
So, What Exactly Is Non-QM Lending?
Non-QM stands for non-qualified mortgage. That just means the loan doesn’t meet the standard checklist used by Fannie Mae or Freddie Mac. Traditional loans often require W-2s, tax returns, and a narrow debt-to-income range. But that doesn’t work for everyone, especially investors with rental income, self-employment, or non-traditional assets.
At LendSure Home Loans, Non-QM lending means qualifying based on how investors actually operate, whether that’s through cash flow from a rental, business bank statements, liquid assets, or even foreign documentation.
Our Non-QM loan programs make it easier to:
- Finance multiple properties at once
- Qualify without W-2s or tax returns
- Purchase non-traditional properties like condotels
- Close quickly in competitive markets
- Keep deals moving when other lenders say no
LendSure Home Loans’ Four Non-QM Lending Solutions for Investors
Our investor-focused Non-QM lending programs are designed to help you secure funding based on how you actually earn and grow your portfolio with fewer limitations.
1. LendSure Home Loans DSCR Loans (Debt Service Coverage Ratio)
Our DSCR loan program is a popular Non-QM lending option for real estate investors who want to qualify based on rental income, not personal income. These loans focus on whether the property’s cash flow covers its monthly payment, with no tax returns required.
Program Highlights:
- Qualify using property cash flow (DSCR = Gross Rents ÷ Principal, Interest, Taxes, Insurance, HOA)
- No tax returns or employment verification needed
- Finance up to 10 properties for one investor
- Interest-only payment options available
- Loan amounts up to $3,000,000 (1-4 unit properties)
- Loan amounts up to $2,000,000 (5-10 unit properties)
- Non-warrantable condos and condotels allowed (up to 75% LTV)
- Cash-out available up to $500,000
LendSure’s DSCR loans are perfect for investors who rely on rental income to scale their portfolio.
2. LendSure Home Loans Bank Statement Loans
Designed for self-employed borrowers, our Bank Statement loan program offers a flexible, tax-return-free way to qualify. Investors can use 12 or 24 months of personal or business bank statements to demonstrate income.
Program Highlights:
- Loan amounts up to $3,000,000
- Up to 90% Loan-to-Value (LTV) for purchases
- Use personal or business bank statements (no P&L required)
- Business expense ratios as low as 10%
- Borrower does not need to be 100% owner of the business
- W-2 and bank statement income can be combined
- Fast pre-qualification, often in as little as 24 hours
This Non-QM lending option is ideal for business owners, freelancers, and investors who write off a significant portion of their income.
3. LendSure Home Loans Asset Depletion Loans (Asset Qualifier Program)
If you have strong assets but limited monthly income, our Asset Depletion/Asset Qualifier loan program allows you to qualify based on your liquid net worth. It’s a great fit for high-net-worth borrowers, retirees, or investors who just sold a business or property.
Program Highlights:
- Qualify using assets like savings, investment accounts, or retirement funds
- Draw period of 60 months doubles monthly qualifying income (Assets ÷ 60)
- Up to 90% LTV for purchases
- Up to 80% LTV for rate-and-term refinances
- Up to 70% LTV for cash-out refinances
- No employment or income required
This Non-QM lending program makes it easy to leverage wealth, without showing a paycheck.
4. LendSure Home Loans Ground-Up Construction Loans
When you’re starting from scratch, you need funding that works with your timeline, not against it. Our Ground-Up Construction loan program gives investors a streamlined way to finance both land and construction, with flexible terms and no income documentation required.
Program Highlights:
- Up to 65% financing on the lot purchase price
- Up to 85% financing of the construction costs
- Choose from 12- or 18-month interest-only term options
- Option to delay first payments up to five months
- Available for spec builds and build-to-rent projects
Whether you’re building to sell or rent, this Non-QM lending option helps you break ground faster.
5. LendSure Home Loans’ Fix And Flip Loans
Ready to buy, renovate, and sell your next investment property? Our Fix and Flip loan program is built for speed, simplicity, and flexibility, so you can act fast in competitive markets.
Program Highlights:
- Loan amounts up to $1,000,000
- Minimum credit score: 660
- Up to 90% of the purchase price
- Up to 100% of construction costs
- Total loan amount up to 90% of total cost
- Max After Repair Value (ARV) LTV: 70%
- 12-month term with interest-only payments
- Fast approvals and term sheets issued typically in hours, not days
This Non-QM lending option gives you the capital and confidence you need to make your next fix and flip project a success, no matter your experience level.
6. LendSure Home Loans Foreign National Loans
We also offer a dedicated Foreign National loan program that helps international buyers finance U.S. investment properties and second homes. Borrowers can qualify using foreign credit, cash flow, or employer verification from their home country.
Program Highlights:
- Loan amounts up to $2,000,000
- LTV up to 75% for purchases,
- LTV up to 70% for rate/term refis
- LTV up to 65% for cash-out refis
- Cash-out up to $500,000 (can count toward reserves)
- Foreign credit reports accepted
- Visa flexibility and common-sense underwriting
- Income verification letter from employer or CPA accepted for Investor Cash Flow (DSCR)
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say’ yes’ to today’s homeowners and investors.
Ready to explore LendSure Home Loans’ other offerings? Contact us today.
