Non-QM & Alternative Lending Specialists

Mortgage solutions for borrowers who don't fit the box

Self-employed, investor, 1099 contractor? Traditional lenders don't understand your income. We do. DSCR, bank statement, and asset-based programs built for how you actually earn.

✓ No tax returns required ✓ Close in 21 days ✓ No credit pull to get started
17+ Years Experience
$500M+ Loans Funded
200+ 5-Star Reviews
21 Days Avg. Close Time
Loan Programs

Five ways to qualify without W-2s

Traditional lenders want two years of tax returns. We look at the full picture — your cash flow, assets, and business performance.

🏦
Most Popular

DSCR Loans

Qualify based on the property's rental income — not yours. Perfect for real estate investors scaling their portfolio.

  • No personal income verification
  • Unlimited properties
  • LLC/entity vesting OK
  • Close in as few as 21 days
🏦

Bank Statement Loans

Use 12-24 months of personal or business bank statements instead of tax returns. Built for self-employed borrowers.

  • No tax returns needed
  • Personal or business statements
  • Up to $3M loan amounts
  • Primary, second home, or investment
📄

1099 Loans

Independent contractor or freelancer? Qualify using 1099 income documentation — no Schedule C or CPA letter required.

  • 1-2 years of 1099 forms
  • No business tax returns
  • Ideal for gig economy workers
  • Competitive rates
📊

P&L Loans

A CPA-prepared Profit & Loss statement is all you need. Great for business owners whose tax returns don't reflect true income.

  • CPA-prepared P&L only
  • No bank statements needed
  • Reflects real business income
  • Fast underwriting
💎

Asset-Based Lending

Qualify using your liquid assets — stocks, bonds, retirement accounts. No employment or income verification needed.

  • No income docs required
  • Use stocks, bonds, 401k, IRA
  • Great for retirees & HNW individuals
  • Up to $5M loan amounts
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Not sure which program fits?

Tell us about your situation and we'll identify the best option for you. No commitment, no pressure.

Why Altqual

We get it. Traditional lending doesn't work for everyone.

You've been told your income is "too complicated" or your tax returns don't show enough. That's because traditional lenders use a system designed for W-2 employees.

We specialize in borrowers whose income story is real — but doesn't fit in a box.

  • ⚡
    Direct lender access Not a broker. We work directly with non-QM lenders for faster approvals and better rates.
  • 🔒
    Expert review for every scenario 17+ years, $500M+ funded. Your file isn't handed to a junior processor.
  • 📈
    Strategy, not just a rate We structure your deal to maximize approval odds and minimize cost.

🚫 Traditional Lending

  • 2 years of tax returns required
  • W-2 income only
  • 6-8 week close timeline
  • Rigid debt-to-income rules
  • Business write-offs hurt you
Better Way

✓ Non-QM / Alternative

  • Bank statements or P&L instead
  • Self-employed, 1099, investor income
  • Close in 21 days or less
  • Flexible qualification criteria
  • Write-offs don't count against you
Process

From application to closing in 4 steps

No runaround. No surprises. Just honest guidance from start to finish.

1

Tell us your situation

2-minute form. Select your loan type, property details, and how you earn income.

2

We review your scenario

Personal review within 24 hours. You'll get a call — not an email blast.

3

Get matched to a program

We find the best non-QM product for your situation with competitive terms.

4

Close fast

Streamlined underwriting. Average close in 21 days. We keep you updated every step.

Get Started

See if you qualify in 2 minutes

No credit check. No obligation. We personally review every submission.

1
Loan Type
2
Property
3
You
4
Contact

Which loan programs interest you?

Select all that apply, or pick "Not sure" and we'll figure it out together.

✓
🏦
DSCR
Investment property
✓
🏦
Bank Statement
Self-employed
✓
📄
1099
Contractor/freelance
✓
📊
P&L
Business P&L
✓
💎
Asset-Based
Liquid assets
✓
💡
Not Sure
Help me decide

Tell us about the property

Estimates are fine — we'll dial in the details later.

Purchase
Buying a property
Refinance
Lower rate/payment
Cash-Out Refi
Tap your equity
Single Family
Condo / Townhome
Multi-Family (2-4)
Commercial / 5+

Tell us about your situation

This helps us match you to the right program.

💼
Yes
Business owner, freelancer, etc.
🏢
No
W-2 employee
Tax Returns
Bank Statements
1099 Forms
Other / Not Sure

Almost there — how can we reach you?

We'll personally review your scenario and call you within 24 hours.

First name is required
Last name is required
Valid email is required
Phone number is required
✓

You're all set!

We'll personally review your scenario and reach out within 24 hours with your best options. No runaround — just real answers.

Our Expertise

Non-QM Specialists You Can Trust

Most loan officers know conventional. We've spent 17+ years mastering every non-QM product on the market. DSCR, bank statement, asset depletion, P&L-only — we've closed them all.

Altqual isn't a call center. When you submit your info, we personally review your scenario and build a strategy to get you approved — not just a rate quote.

17+ Years Experience
$500M+ Loans Funded
200+ 5-Star Reviews
21 Day Avg. Close
FAQ

Common questions about non-QM loans

What is a non-QM loan? +
Non-QM (Non-Qualified Mortgage) loans are mortgage programs that don't follow the standard guidelines requiring W-2s and tax returns. They use alternative documentation — bank statements, P&L statements, 1099s, or asset verification — to qualify borrowers. They're completely legal, fully regulated, and designed for people whose income is real but doesn't fit in a traditional box.
Who are non-QM loans for? +
Self-employed business owners, real estate investors, freelancers, gig workers, retirees, high-net-worth individuals, and anyone whose tax returns don't accurately reflect their ability to repay a mortgage. If you've been told "your income is too complicated," non-QM is probably your answer.
Are non-QM rates higher than conventional? +
Typically yes — rates are slightly higher because the lender is taking on more flexibility in documentation. But for many borrowers, the trade-off is worth it: you actually get approved, and you're not forced to show income lower than what you really earn. We'll always be transparent about rates and help you find the most competitive program.
What credit score do I need for a DSCR loan? +
Most DSCR programs require a minimum 620-660 credit score, though the best rates start at 720+. The key factor is the property's DSCR ratio — meaning the rental income needs to cover the mortgage payment (usually 1.0x or higher). We can run the numbers on your specific property.
Will filling out the form pull my credit? +
No. This form is just an inquiry — no credit pull, no commitment. We review your scenario first and will only run credit if you decide to move forward with a formal application.
How fast can I close? +
Most non-QM loans close in 21-30 days. Because documentation requirements are simpler (no tax returns, no employer verification), the underwriting process is actually faster than conventional in many cases. We'll give you a realistic timeline based on your specific situation.
Is this really free? What's the catch? +
100% free consultation with no obligation. We're compensated when a loan closes, so there's zero cost to you for getting a scenario review. If non-QM doesn't make sense for your situation, we'll tell you that too.

Ready to get qualified?

2 minutes. No credit pull. We personally review every scenario and respond within 24 hours.