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Non-QM loan options for borrowers whose income may not fit traditional mortgage documentation.
Alternative income loans help borrowers document ability to repay using acceptable alternatives to traditional tax-return income. They can be useful when tax returns, W-2s, or paystubs do not reflect the full borrower scenario.
These are not shortcuts. They are specific Non-QM underwriting paths where the lender still reviews credit, assets, reserves, occupancy, property type, LTV, IRS debts/payment plans, and overall guidelines.
Self-employed borrowers with consistent personal or business deposits.
Explore →Independent contractors and commission earners with strong 1099 income.
Explore →Wage earners whose employer can verify income through written verification.
Explore →Business owners whose recent profit-and-loss story is stronger than old tax returns.
Explore →Retired, high-net-worth, or asset-rich borrowers with complex monthly income.
Explore →Self-employed buyer with strong deposits but low taxable income.
1099 contractor with consistent annual income.
Wage earner using WVOE.
Business owner using CPA-prepared P&L.
Retired buyer qualifying through assets.
This is not a commitment to lend. Program availability, eligibility, rates, terms, loan amounts, LTV, reserves, documentation requirements, and property eligibility depend on the full borrower scenario, occupancy, property type, credit profile, lender guidelines, and underwriting review. Not all borrowers will qualify. Simple Lending Mortgage LLC currently offers financing assistance where properly licensed, including Florida and Georgia. Program availability depends on borrower eligibility, property location, lender guidelines, and applicable law.