Scenario 1: DSCR Investor Loan

David owns several rental properties and wants to add another to his portfolio. Instead of using his personal income, he qualified with a DSCR loan, which looked at the property’s rental income to cover the mortgage. This allowed him to keep expanding his investments without traditional income verification.

Scenario 2: Self-Employed with Bank Statements

Sophia runs her own online business and doesn’t have W-2s. By providing 12 months of bank statements, she was able to show consistent cash flow and purchase her dream condo through a Non-QM loan.

Scenario 3: Retired Borrower with Assets

Mark recently retired and no longer has a steady paycheck, but he has significant retirement savings and investments. With an asset depletion Non-QM loan, his assets were used to calculate qualifying income — allowing him to purchase a new downsized home comfortably.

Scenario 4: Foreign National Buyer

Isabella, who lives overseas, wanted to buy a vacation property in Florida. A Foreign National Non-QM program allowed her to purchase without U.S. credit history, using her international income and assets to qualify.

Scenario 5: Recently Credit-Challenged Borrower

Anthony went through a divorce and had a recent credit event that disqualified him from conventional loans. With a Non-QM option, he was able to buy a new home sooner rather than waiting years to rebuild his credit fully.