About This Training

Non-QM loans open the door for borrowers who don’t fit traditional FHA or Conventional guidelines — self-employed borrowers, real estate investors, clients with significant assets but limited monthly income, and foreign nationals. In this class you’ll learn how self-employed clients can qualify using bank statements, 1099s or a Profit & Loss, and how investors can qualify solely on a property’s rental potential.

We’ll break down who qualifies, how to structure these loans, and what documentation is needed — so you can confidently serve a wider range of clients instead of turning them away.

What You’ll Learn

• The main Non-QM programs and the borrower each one is built for
• How bank statement, 1099 and P&L qualification actually work
• DSCR loans and qualifying an investor on rental income alone
• What documentation each program requires up front
• How to structure and price a Non-QM file so it holds together

Who It’s For

Loan officers who keep turning away good borrowers because the file doesn’t fit agency guidelines.