Qualify On The Deal.
Not Your W-2.
Nine ways to finance a 1-4 unit residential investment property when a standard tax-return file isn't how you get paid — or isn't the point. DSCR off the property's own rent, bank statements, 1099s, assets, or a written VOE. Built by veteran-staffed bankers who'll tell you which program actually fits before you apply.
The Basics
What Non-QM Actually Means.
Non-QM isn't a lower bar — it's a different way of proving you can pay it back.
Not a Fannie/Freddie Box
A conforming loan requires a specific, standardized income file. Non-QM programs document your ability to repay a different way — the property's rent, your bank deposits, your 1099s, or your assets.
Built For Investors
Most of these programs are scoped to 1-4 unit investment properties, not owner- occupied homes. If you're growing a rental portfolio, this is the product line built for exactly that.
A Program For How You're Paid
Self-employed, 1099, asset-rich, or paid in rent instead of a paycheck — there's a specific program built for each, not one generic "alt-doc" catch-all.
Compare Programs
Nine Programs. One Application Engine.
Pick the program that matches how you actually qualify, then apply straight into it.
DSCR
Qualify off the property's own rental income against its own mortgage payment. Your personal income and tax returns don't enter the math.
1099-Only
1099 forms document your income instead of a full two-year tax-return file. Built for contractors, freelancers, and gig-paid workers.
Bank-Statement-Only
12 or 24 months of deposits stand in for tax returns — for self-employed borrowers whose write-offs understate real cash flow.
P&L-Only
A CPA, EA, or CTEC-registered preparer's profit & loss statement documents your income between tax filings.
Asset Utilization
Checking, savings, brokerage, and retirement balances qualify you — no paycheck required.
Asset Qualifier
No income, no employment, no ratios. Built for borrowers whose net worth doesn't show up on a pay stub.
WVOE Alt-Doc
A written verification of employment from your employer documents your income — no pay stubs, no tax returns.
Foreign National DSCR
The same DSCR math, built for non-U.S.-citizen and non-resident investors buying a second home or investment property.
Cross-Collateralized (Blanket)
Finance 2-15 investment properties under one loan, secured jointly by the portfolio instead of one mortgage per door.
5-8 Unit Multifamily
Coming SoonNo investor onboarded for this tier yet — so no program, no numbers, no dead-end application. Chat with Sgt. Savings and we'll follow up the moment that changes.
Who's Actually Behind The Loan
The Veteran Alliance is a financial technology company, not a bank. Non-QM investor lending is provided through our lending bank partner under its federal charter — the same partnership behind our VA, conventional, FHA, USDA, and jumbo programs, in all 50 states from day one.
These programs are not VA loans and don't touch your VA entitlement. If you're buying a home to live in rather than an investment property, see our Conventional, FHA, USDA, and Jumbo options, or your VA loan benefit.
Non-QM Investor Loan FAQs:
Straight answers about DSCR, alt-doc programs, and what happens when a tier isn't open yet. No jargon.
Non-Qualified Mortgage — a loan that doesn't fit the standard W-2/tax-return underwriting box Fannie Mae and Freddie Mac require for a conforming loan. It doesn't mean lower standards, it means a different way of documenting that you can pay it back — rental income, bank deposits, 1099s, or assets instead of a traditional income file.
No. Non-QM investor loans have nothing to do with the VA loan program or your VA entitlement. Your VA benefit stays fully available for a separate VA purchase or refinance.
Most of these programs are built for 1-4 unit investment properties, not owner-occupied homes. DSCR and Asset Qualifier are investment-property-only by definition. If you're buying a home to live in, our conventional, FHA, USDA, VA, or jumbo programs are the right fit — see Other Residential Loans.
A bank-statement loan still documents YOUR income — just through deposits instead of tax returns. DSCR doesn't look at your personal income at all; it qualifies off the property's own rental income against its own mortgage payment. That's why DSCR is built for investors and bank-statement loans work for self-employed borrowers generally.
Yes, for DSCR — that's a normal part of the program for investors who hold their portfolio in an entity. Your loan officer will walk through what that means for the specific file.
One loan, secured jointly by 2-15 investment properties instead of a separate mortgage for each one. It's its own transaction structure, not a DSCR overlay — useful for investors consolidating financing across a growing portfolio.
We haven't onboarded an investor for that tier yet, so we're not going to hand you a program with made-up numbers. If you have a 5-8 unit deal, tell Sgt. Savings and we'll follow up the moment a lender is in place.
The Veteran Alliance is a financial technology company, not a bank. Mortgage lending runs through our lending bank partner's federal charter — the same partnership behind our VA, conventional, FHA, USDA, and jumbo programs, nationwide from day one.
Nine Programs. One Portfolio Strategy.
Not sure which program fits? Chat with Sgt. Savings before you start — the specifics vary case by case, and we'd rather point you at the right one than the fastest one.
All loans subject to credit approval, property review, and underwriting requirements. The Veteran Alliance is a financial technology company, not a bank; mortgage lending is provided through our lending bank partner under its federal charter. Non-QM investor loans are not VA-backed loans.