Your Local Non-QM Mortgage
Specialist
States Licensed in Pensylvania, Florida and Iowa
Home and investment property loans for self-employed borrowers,
real estate investors, and anyone the big banks turn away.
Personalized Non-QM Experience
Robert Love specializes in Non-QM lending, the loan products designed for borrowers who do not fit the conventional mold. Whether you are self-employed, paid through 1099s, growing a real estate portfolio, or rebuilding after a past credit event, we shop multiple wholesale lenders to find the program and rate that fit your actual financial picture.
Tax returns that do not tell your full story should never cost you the property you want. We qualify borrowers using bank statements, rental income, assets, and other common-sense documentation, all backed by wholesale pricing and technology that keeps the process fast and transparent.
Trust a specialist who focuses on the loans other lenders avoid. Let us help you close on your next home or investment property.
The Non-QM Loan Process
Get Pre-Qualified Talk with a
Non-QM specialist
We match you to the right program and show you what you qualify for, with no tax returns required for many of our products.
Find Your Property
Whether it is your next home or an investment property, work with a trusted real estate agent to find the right fit. DSCR and investor purchases are welcome.
Submit Your Application
Complete your application and let us guide you through underwriting. We handle the heavy lifting and keep you updated all the way to closing.
Don't take my word for it
Non-QM Programs
Mortgage solutions built for self-employed borrowers, investors, and complex financial situations, right here in Panama City Beach, Florida.
Loan Options That Actually Fit You
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Bank Statement Loans
DSCR Loans (Investor Loans)
Equity Xcellarator Loan
Reverse Mortgage
Frequently Asked Questions
What is a Non-QM loan?
Non-QM stands for Non-Qualified Mortgage. These loans do not follow the strict documentation rules of conventional mortgages, which makes them a fit for self-employed borrowers, investors, and others with non-traditional income. Non-QM does not mean high risk; it means flexible qualification.
Can I get a mortgage if I'm self-employed?
Yes. Many of our self-employed clients qualify using bank statements or a profit and loss statement instead of tax returns, so business write-offs do not work against you.
Can I qualify using my bank statements instead of tax returns?
For most of our bank statement programs, yes. We review 12 to 24 months of deposits to calculate your qualifying income. No tax returns or W-2s needed.
Can I get a loan based on my rental property's income?
Yes, through a DSCR loan. We qualify the loan based on whether the property's rent covers the payment, so your personal income often is not part of the equation.
Can I get a mortgage after a recent bankruptcy or foreclosure?
Often, yes. Several Non-QM programs allow financing with little or no waiting period after a credit event, while conventional loans may require years.
Are Non-QM rates higher than conventional rates?
Non-QM rates are typically a bit higher because the qualification is more flexible. For many borrowers, access to financing now outweighs waiting, and we shop multiple lenders to secure the most competitive pricing available for your profile.
How much down payment do I need for a Non-QM loan?
Down payment requirements vary by program and credit profile and are generally higher than minimum conventional options. We will review your scenario and show you the exact figure during your qualification review.
Can foreign nationals buy property in the US?
Yes. Our foreign national programs help non-US citizens purchase a home or investment property, often without US credit or income documentation.
Can I refinance an investment property or take cash out?
Yes. We offer rate-and-term and cash-out refinancing on investment and non-owner-occupied properties through our DSCR and investor programs.
How long does a Non-QM loan take to close?
Timelines vary, but many Non-QM loans close within a few weeks. Because we use wholesale lenders and streamlined documentation, the process is often faster than borrowers expect.
Most Recent Blog Updates
The Profit and Loss Only Loan Lets Business Owners Qualify Without Tax Returns and Here Is How
The Problem Traditional Lenders Have With Business Owner Income
Business owners who maximize their tax deductions face a frustrating reality when they approach traditional mortgage lenders. The tax strategy that makes perfect sense financially produces tax returns that show a fraction of actual business income. Traditional underwriting reads those returns at face value and the qualification comes up short even when the business is genuinely thriving.
Robert Love works with self-employed borrowers regularly and wants entrepreneurs to know that a program was built specifically to address this problem.
How the Profit and Loss Only Loan Works
Instead of tax returns this program qualifies the borrower based on a profit and loss statement prepared by a CPA or licensed tax preparer. The P&L reflects actual business performance and cash flow rather than taxable income after deductions. It shows what the business actually generates rather than what remains after a legitimate and well-executed tax strategy has been applied.
The result is a qualification process that sees the borrower’s real financial picture rather than the version that years of smart tax planning has produced on paper.
What the Program Allows
The profit and loss only loan gives business owners the ability to keep maximizing their tax strategy without it working against them in the mortgage process. The two goals that felt contradictory under traditional guidelines become compatible. Reduce taxable income as much as the tax code allows and still qualify for the home, investment property, or refinance that the business income actually supports.
These loans typically offer competitive rates and flexible down payment options. They also provide the ability to close in the borrower’s personal name or through a business entity depending on the structure that fits the borrower’s overall financial and ownership strategy.
Who This Program Is Built For
Consultants, contractors, real estate professionals, and anyone running their own business who has felt the gap between what their tax returns show and what their business actually produces will recognize immediately why this program exists. It was designed for exactly that situation.
Text, call, or DM Robert Love at 515-805-8870 to find out whether a profit and loss only loan is the right fit for your situation. Follow along for more strategies that help self-employed borrowers win.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
NationalMortgageProfessional.com
FannieMae.com
Investopedia.com
Mortgage Calculator
Estimate your monthly payment and see how a Non-QM loan could
work for your home or investment property.
| Year | Interest | Principal | Balance |
|---|
Quick Links
About Us
Blogs
Programs
