Non-QM (non-qualified mortgage) loans use alternative ways to verify your ability to repay — rental income, bank deposits, or liquid assets — instead of the tax returns and pay stubs conventional loans require. In Florida, Non-QM loans made up 12.2% of all mortgage originations in 2025 — above the 10.2% national average — according to Polygon Research, reflecting strong demand from the state's self-employed borrowers and real estate investors.
For real estate investors. Qualify on the property's rental income, not your personal income.
For self-employed borrowers. Qualify on 12–24 months of deposits instead of tax returns.
For asset-rich, income-light borrowers. Qualify using liquid assets converted into a qualifying income figure.
Lower initial payments by paying interest only for a set period before principal payments begin.
We review your situation — whether it's an investment property, self-employment income, or asset position — and match you to the right program.
Non-QM loans are fully regulated products from licensed lenders using different, legitimate ways to verify repayment ability.
Investors, the self-employed, and asset-rich retirees often don't fit conventional tax-return-only underwriting — even with strong finances.
Non-QM has grown steadily for several years and now represents more than 1 in 10 mortgage originations nationally — and even more in Florida specifically.
Jump straight to the specific Non-QM program that matches your situation.
DSCR Loans → Bank Statement →Private consultation with Kelly or Ray Nadeau. We'll review your situation and match you to the right Non-QM category — no obligation.
📞 321-321-9455 · Kelly Nadeau · Licensed FL Broker BK3344334 · NMLS #1027618 · Ray Nadeau · Licensed FL Broker BK3344407 · NMLS #1027617