Non-QM Loans
Flexible underwriting built for non-traditional income.
We Look Beyond Your Tax Returns
Most lenders get stuck on tax returns. We don't. Lionsford's Non-QM loan programs offer flexible underwriting for investors with self-employment, gig work, or complex income scenarios. We look at how you actually make money—not just what's on a 1040.
Choose from bank statement programs, P&L only options, asset-based qualification, or no tax return loans. If you have income, we have a path to financing. No extras. Just mortgages built for real investors.
Non-QM Loan Programs
BANK STATEMENT LOAN
BANK STATEMENT LOAN
Qualify with bank statements only. | Loans to $3M | 85% LTV | 640+ FICO | Gifts OK | Primary, secondary, investment
PROFIT & LOSS LOAN
PROFIT & LOSS LOAN
Qualify with CPA-prepared P&L. | Loans to $3M | 90% LTV | Self-employed OK | 620+ FICO | Primary, secondary, investment
ASSET DEPLETION LOAN
ASSET DEPLETION LOAN
Qualify with liquid assets, not income. Ideal for retirees & high-net-worth. | Loans to $4M | 90% LTV | 660+ FICO | Cash-outs to $1M | Gifts OK | Primary, secondary, investment
1099 LOAN
1099 LOAN
Qualify with 1099s only. | Loans to $3M | 90% LTV | Independent contractors & gig workers | 640+ FICO | Primary, secondary, investment
W-2 LOAN
W-2 LOAN
Salaried employees qualify with W2s only. No tax returns. | Loans to $3M | Up to 90% LTV | 640+ FICO | Primary, secondary, investment
