Not every buyer fits a conforming lending box. Maybe they’re self-employed with no W-2s, a foreign national with no U.S. credit, or an investor buying a condotel. But that doesn’t mean they should be turned away.
At LendSure Home Loans, we specialize in innovative, commonsense lending solutions that help real estate agents close more deals, even when the file gets complex.
Here are answers to some of the frequently asked questions you’re probably asking yourself, and how we help you say “yes” when others say no.
FAQs: What Real Estate Agents Need to Know About LendSure Home Loans
What is a Non-QM loan?
A Non-QM (non-qualified mortgage) loan doesn’t meet the strict rules set by Fannie Mae or Freddie Mac. That includes buyers with complex income, credit events, unique property types, or limited U.S. documentation. But Non-QM doesn’t mean risky. It just means flexible. And at LendSure Home Loans, we’re experts in providing lending solutions for those types of borrowers.
My buyer is self-employed and doesn’t have tax returns. Can they still qualify for funding?
Yes. Our Bank Statement loan program is built for self-employed borrowers who can’t document income the traditional way. We qualify them based on 12 or 24 months of business or personal bank statements, no tax returns or P&Ls required.
This program includes:
- Loan amounts up to $3,000,000
- Up to 90% LTV
- Business expense ratios as low as 10%
- Borrower does not need to be 100% business owner
- W-2 and bank statement income can be combined
- Pre-qual in as little as 24 hours
Why agents keep coming back to this: This is one of the easiest ways to turn a “no” into a fast-moving deal for small business owners, freelancers, gig workers, and consultants.
What if my client has no income but strong assets?
Yes. LendSure Home Loans offers an Asset Qualifier loan that’s ideal for clients with strong assets but little to no monthly income. Instead of looking at pay stubs, we calculate qualifying income by dividing liquid assets (like savings, investments, or retirement funds) over a 60-month period. That approach effectively doubles their buying power. We go up to 90% LTV on purchases, 80% on rate and term refis, and 70% on cash-out.
No income or employment documentation is required, making it a great option for retirees, entrepreneurs, or anyone living off their assets.
Can you finance foreign national buyers?
Yes. LendSure Home Loans offers an alternative financing solution for foreign nationals buying property in the U.S., with no U.S. credit or income documentation required. We can go up to $2,000,000 in loan amount, with up to 75% LTV for purchases and rate/term refis, and up to 70% for cash-out. We accept foreign credit reports and income verification from a CPA or employer.
Our Foreign National loan program is a smart option for second homes or investment properties when traditional lenders can’t make it work.
Do you offer Fix and Flip financing?
Yes. Our Fix and Flip loan program is a fast, flexible option for buyers looking to purchase and renovate a property. We can finance up to 90% of the purchase and 100% of the rehab costs, with loan amounts up to $1,000,000. The program features a 12-month interest-only term, up to 70% ARV, and a minimum credit score of 660.
It’s a great fit for both seasoned investors and first-time flippers who need to move quickly.
What if my client is building a property from the ground up?
Our Ground-Up Construction loans finance both the lot and the build, with no income documentation required. With it, your borrower can get:
- Up to 60% of lot cost
- Up to 82.5% of construction cost
- Loan amounts up to $2,000,000
- 12- or 18-month interest-only terms
- First payments can be delayed up to 5 months
- Available for spec homes and build-to-rent
Why agents choose it: When your experienced builder client is ready to break ground, we help you break the financing barrier.
Can you finance non-warrantable condos?
Yes. Our Non-Warrantable Condo loan program makes it possible to finance units in buildings that don’t meet traditional condo guidelines, whether due to high investor concentration, new construction, or mixed-use space. We offer loan amounts up to $3,000,000 with LTVs up to 80%, and allow up to 50% commercial use within the building.
Available through both our DSCR and Bank Statement programs, this option helps you keep deals alive when traditional lenders can’t.
What if the property is a condotel?
We offer a dedicated Condotel loan program for second homes or investment properties in hotel-style buildings.
Here is some more info about LendSure Home Loans’ Condotel program:
- Loan amounts up to $3,000,000
- Minimum credit score: 720
- Up to 75% LTV for purchases
- Up to 70% LTV for rate & term; 65% for cash-out
- Documentation types: Full Doc, Bank Statements, DSCR, Asset Qualifier
Key takeaway: Most lenders won’t touch condotels. We welcome them, with multiple documentation options and commonsense underwriting.
Can my client buy a new home before selling their current one?
Yes. LendSure Home Loans’ Bridge loan program lets your client buy their next home before selling their current one, without making monthly payments for up to 12 months*. With loan amounts up to $2,000,000 and LTVs up to 75% for owner-occupied homes, it’s a great way to present like a cash buyer and make a non-contingent offer.
Tip for you: If you’re unsure of how much your client can qualify for, our Bridge loan calculator makes it easy to determine buying power upfront.
*a one-time repayment is due at the end of the loan term or when the property sells, with interest accruing during this time.
Can you finance investment properties based solely on rental income?
Yes. Our DSCR (Debt Service Coverage Ratio) loans qualify based on the property’s cash flow, not the borrower’s personal income.
LendSure Home Loans DSCR program highlights include:
- Loan amounts up to $3,000,000 (1-4 units); $2,000,000 (5-10 units)
- Cash-out up to $500,000
- Finance up to 10 properties per borrower
- Non-warrantable condos and condotels allowed
- Interest-only options available
- Minimum credit score: 660 (1–4 units); 700 (5–10 units)
Why agents choose it: It’s the go-to solution for serious investors and portfolio buyers looking to scale efficiently.
How quickly can I get DSCR loan pricing for my client?
Lendy is our smart, always-available digital assistant built for DSCR loans. Whether your client is buying a rental, refinancing, or adding to their portfolio, Lendy can show you loan options based on their scenario in just minutes, so you get answers fast and keep the deal moving. Get started now!
Do I need to know which program to choose before referring a client?
No, you don’t. Once you refer your client, we’ll work with them directly to explore the best financing options for their situation. You can stay focused on guiding your client through the real estate transaction, and we’ll handle the lending side.
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’ offerings? Contact us today.
