No Limit
Properties Financed
Non-QM Financing Programs
Traditional bank guidelines don't work for every investor. Our Non-QM programs use alternative income documentation to get you approved when conventional lenders say no.
📘 What is Non-QM?
Non-QM (Non-Qualified Mortgage) refers to loans that don't meet the strict "Qualified Mortgage" rules set by the Consumer Financial Protection Bureau. That doesn't mean they're risky — it simply means they use flexible guidelines to qualify borrowers whose income doesn't fit neatly into a W-2 and tax return box. Self-employed borrowers, real estate investors, retirees with large assets, and gig workers often earn plenty of money but can't prove it the traditional way. Non-QM programs solve that by accepting bank statements, rental income, asset portfolios, or P&L statements as proof of ability to repay.
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Most Popular
DSCR Loans
Qualify based on the property's rental income — not your personal income. The Debt Service Coverage Ratio measures whether the property cash-flows enough to cover the mortgage.
- No personal income verification required
- DSCR as low as 0.75 accepted
- Purchase, refinance, or cash-out
- Single-family, 2-4 unit, condos, short-term rentals
- Close in LLC or entity name
- No limit on number of properties
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Self-Employed
Bank Statement Loans
Use 12 or 24 months of personal or business bank statements instead of tax returns to document your income. Ideal for self-employed investors and business owners.
- 12 or 24 months personal or business statements
- No tax returns needed
- Up to $3M loan amounts
- Primary, second home, or investment
- Interest-only options available
- FICO as low as 620
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High Net Worth
Asset Depletion
Qualify using your liquid assets (stocks, bonds, retirement accounts, crypto) rather than employment income. We calculate a "monthly income" by dividing your assets over the loan term.
- No employment or income required
- Use retirement, brokerage, or savings accounts
- Up to $5M loan amounts
- Great for retirees and high-net-worth borrowers
- Primary residence or investment property
- Gift funds acceptable for down payment
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Flexible
Profit & Loss / 1099 Only
Use a CPA-prepared P&L statement or 1099 forms to document income. Perfect for freelancers, gig workers, and contractors with strong earnings but complex tax returns.
- CPA-prepared P&L accepted
- 1099 income from 1 or 2 years
- No tax return review
- Up to $2.5M loan amounts
- Owner-occupied or investment
- Interest-only options available
⚡ Why Investors Choose Go Direct Lenders
We understand investor deals move fast. Our Non-QM programs close in as little as 21 days with dedicated underwriting and a single point of contact throughout the process. No tax returns, no corporate red tape, no surprises.
Also Available for Investors
Beyond Non-QM, we offer conventional and government-backed options for qualifying investors.
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Conventional Investment
Traditional financing for 1-4 unit investment properties with competitive rates. Up to 10 financed properties with full documentation.
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Cash-Out Refinance
Tap into your equity across your portfolio. Use proceeds for renovations, new acquisitions, or debt consolidation.
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Fix & Flip / Bridge
Short-term financing for acquisition and rehab projects. Fast closings with interest-only payments during the renovation period.
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Portfolio Refinance
Consolidate multiple properties under one loan or restructure your portfolio for better cash flow and lower rates.
Ready to Scale Your Portfolio?
Contact us today to discuss your investment strategy. We'll match you with the right financing for every deal.
Call 888-239-6161 →
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