Financing

Non-QM Loan

Loan that doesn't meet CFPB qualified-mortgage rules — bank-statement, asset-based, DSCR.

Reviewed 9 August 2026 by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Plain-English explanation

Built for self-employed and investors. Slightly higher rate, far more flexible.

Examples

Bank-statement loan using 12 months deposits to qualify.

Common mistakes

Assuming non-QM means subprime.

Non-QM Loan

Plain-English explanation

Examples

Common mistakes

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