--- title: Non-QM Loans description: Lionsford offers a wide variety of Non-QM Loans for real estate investors with complex income scenarios. We look at how you actually make money—not just what's on a 1040.. image: https://lionsford.com/hubfs/Rentals-1.png --- [Skip to content](https://lionsford.com/non-qm-loans#main-content) [(866) 726-1555](tel:(866)%20726-1555) - [![Lionsford](https://lionsford.com/hs-fs/hubfs/Official%20Lionsford%20Logo-1.png?width=250&height=64&name=Official%20Lionsford%20Logo-1.png "Lionsford")](https://lionsford.com?hsLang=en) [![Lionsford ](https://lionsford.com/hs-fs/hubfs/Lionsford%20logo%20white-2.png?width=250&height=74&name=Lionsford%20logo%20white-2.png "Lionsford ")](https://lionsford.com?hsLang=en) - [Home](https://lionsford.com) - [About Us](https://lionsford.com/about-us) - Programs - [Non-QM Loans](https://lionsford.com/non-qm-loans) - [Specialty Loans](https://lionsford.com/specialty-loans) - [DSCR Loans](https://lionsford.com/dscr-loans) - [Agency & Government Programs](https://lionsford.com/agency-government-programs) - [Commercial Real Estate Loans](https://lionsford.com/commercial-real-estate-loans) - [Real Estate Agent](https://lionsford-real-estate-jacqueline-homes-homes.lovable.app) - [Credit & Fundability](https://lionsford-credit-solutions.lovable.app/) - [Contact Us](https://lionsford.com/contact-us) [GET STARTED](https://lionsford-investor-apply.lovable.app/investor-pre-approval-application)       # Non-QM Loans Flexible underwriting built for non-traditional income. ![investors](https://lionsford.com/hubfs/investors.png) ## 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. [Get preapproved](https://lionsford-investor-apply.lovable.app/investor-pre-approval-application) ## 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 ### FOREIGN NATIONAL ### FOREIGN NATIONAL Foreign National Program — financing for non-US citizens investing in US real estate. | No SSN or US credit required | Loans to $2M | 75% LTV | 30 & 40 yr fixed, IO available | Acquisition & refinance | Investment ## No Extras. Just Mortgages Built for Investors. ![Real Estate - Lending - Results](https://lionsford.com/hs-fs/hubfs/Real%20Estate%20-%20Lending%20-%20Results.png?width=350&height=248&name=Real%20Estate%20-%20Lending%20-%20Results.png) [Get preapproved](https://lionsford-investor-apply.lovable.app/investor-pre-approval-application) ### Non-QM Loans - [Bank Statement Only Program](https://lionsford.com/non-qm-loans) - [P&L Only Program](https://lionsford.com/non-qm-loans) - [1099 Only Program](https://lionsford.com/non-qm-loans) - [W-2 Only Program](https://lionsford.com/non-qm-loans) - [Asset Depletion Program](https://lionsford.com/non-qm-loans) - [Foreign National Program](https://lionsford.com/non-qm-loans) ### Specialty Loans - [Transactional Funding](https://lionsford.com/specialty-loans) - [Second Mortgage / HELOC](https://lionsford.com/specialty-loans) - [Fix and Flip Loan](https://lionsford.com/specialty-loans) - [New Construction](https://lionsford.com/specialty-loans) - [Bridge Line of Credit](https://lionsford.com/specialty-loans) - [No Appraisal Bridge Loan](https://lionsford.com/specialty-loans) - [Foreclosure Bailout](https://lionsford.com/specialty-loans) ### Conventions & Government - [Conventional Loan](https://lionsford.com/agency-government-programs) - [FHA Loan](https://lionsford.com/agency-government-programs) - [VA Loan](https://lionsford.com/agency-government-programs) - [SBA Loan](https://lionsford.com/agency-government-programs) - [Second Mortgage / HELOC](https://lionsford.com/agency-government-programs) - [Reverse Mortgage](https://lionsford.com/agency-government-programs) ### DSCR Loans - [No Income Verification](https://lionsford.com/dscr-loans) - [SRF | 2-4 Units | Multifamily](https://lionsford.com/dscr-loans) - [Portfolio Financing](https://lionsford.com/dscr-loans)           ![Real Estate - Lending - Results](https://lionsford.com/hs-fs/hubfs/Real%20Estate%20-%20Lending%20-%20Results.png?width=175&height=124&name=Real%20Estate%20-%20Lending%20-%20Results.png)   © 2026 Lionsford LLC All rights reserved | [Terms of Use](https://lionsford.com/terms-of-use?hsLang=en) | [Privacy Policy](https://lionsford.com/privacy-policy?hsLang=en) | [Loan Disclosure](https://lionsford.com/loan-disclosure?hsLang=en) | [Legal Disclaimer](https://lionsford.com/legal-disclaimer?hsLang=en) 17875 Von Karman Ave. Ste. 150. 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