Non-Qualified Mortgage Loan with FLOMortgage
Non - Qm Options
01.
1099 Only Loan
Qualify borrowers that receive compensation in the form of commission or are paid as independent contractors and receive IRS form 1099 at year-end.
02.
Bank Statement Loan
Qualifying income is based on an analysis of bank deposits rather than traditional income documentation. No tax returns required. Business or personal bank statements are permitted. Choose from several options for calculating qualifying income.
03.
Asset Qualifier
Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. No DTI is calculated. Allows homebuyers to use liquid assets for qualification without liquidating them up for a home
purchase
04.
Investor Cash Flow (DSCR)
Created specifically for investors, qualification is based on the income to be generated by the subject property. It’s no longer necessary to have large
amounts of cash on hand to build a real estate portfolio
05.
Foreign National Loan
Loans for foreign national borrowers utilizing either liquid assets or rental income on subject investment properties for qualification.
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