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 Asset Depletion Loan Lets High Net Worth Buyers Qualify on Wealth Instead of Monthly Income
The Loan Program Built for Buyers Whose Wealth Does Not Show Up as Monthly Income
There is a category of buyer that traditional mortgage guidelines consistently fail. They have substantial assets in investment accounts, retirement accounts, and savings. Their net worth is significant. Their ability to repay a mortgage is not in question by any reasonable measure. But their income on paper does not reflect their financial strength and conventional underwriting stops there.
Robert Love wants high net worth buyers in this situation to know about a non-QM program specifically designed for them.
How the Asset Depletion Loan Actually Works
Instead of qualifying based on documented monthly income the asset depletion loan uses liquid assets to calculate a qualifying income figure. The lender takes the eligible liquid assets and divides them by a set number of months to arrive at a monthly income equivalent that can be used for qualification purposes.
The result is that a retiree who lives off portfolio distributions rather than a salary can qualify for a mortgage that reflects their actual financial position rather than the income figure that appears on a tax return. A business owner who reinvests most of their earnings back into the company and shows modest personal income despite significant accumulated wealth can access financing that acknowledges what they actually have rather than penalizing them for smart business decisions.
Anyone whose wealth is real and documented but whose monthly income does not tell the full story has a path forward through this program that conventional guidelines would close.
What the Program Covers
Asset depletion loans are available for primary residences, vacation homes, and investment properties. The program is not limited to a single use case and it is not a specialty product reserved for unusual circumstances. It is one of the most powerful tools in the non-QM lending space and it serves a buyer profile that is more common than most people realize.
Why Keeping Investments in the Market Matters
One of the most important features of the asset depletion structure is that the assets used to qualify do not have to be liquidated. The buyer keeps their investments fully working in the market while using the value of those assets to access the real estate financing they need. The portfolio stays intact and continues compounding. The real estate purchase happens without requiring a disruption to the investment strategy that built the wealth in the first place.
That combination of continued investment growth alongside real estate acquisition is exactly how significant long-term wealth is built and preserved.
Text, call, or DM Robert Love at 515-805-8870 to find out whether an asset depletion loan fits your goals. Follow along for more strategies that help you make smart moves with your money.
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
