Top Non-QM Loan Programs in 2025 | Bank Statement, DSCR, 1099 & More Explained

Are you self-employed, an investor, or someone who doesn’t fit the traditional mortgage mold? In this video, I break down Non-QM (Non-Qualified Mortgage) loans and explain the different programs available to help you qualify without W2s or standard tax returns.

✅ Here’s what we cover:
✔️Bank Statement Loans – Qualify with your deposits instead of W2s.
✔️P&L Loans – Use a profit and loss statement prepared by you or your CPA.
✔️DSCR Investor Loans – Approval based on property cash flow, not your income.-
✔️Non-Warrantable Condo Loans – Financing options when Fannie Mae & Freddie Mac say no.
✔️No Ratio Loans (Community Mortgage) – Qualify without income documentation.
✔️1099 Loans – Perfect for independent contractors and freelancers.
✔️Mixed-Income Options – Combine W2, bank statements, and 1099s to qualify.

These programs are a lifeline for self-employed borrowers, real estate investors, and buyers rejected by traditional banks like Wells Fargo or Chase.

👉 If you’ve been told “no” before, a Non-QM loan might be your “yes.”

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𝐎𝐭𝐡𝐞𝐫 𝐕𝐢𝐝𝐞𝐨𝐬:
✅How Do DSCR Loans Work: https://youtu.be/cA8SJVWgLio
✅DSCR Loans & Prepayment Penalties Explained : https://youtu.be/R_Q5eOsm6RE
✅Low & No Ratio DSCR Loans Explained: https://youtu.be/UGJk9GhcSnM
✅DSCR Cash Out Explained: https://youtu.be/tewxKU8rlYc
✅HELOC vs HELON: https://youtu.be/rDTY1QzhCuU
✅How to Track Mortgage Interest Rates in Real Time: https://youtu.be/eWRVIK98-9k
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Видео Top Non-QM Loan Programs in 2025 | Bank Statement, DSCR, 1099 & More Explained канала Mortgage Universe (Sal Bossio Home Loans)