If you’re only offering conventional and government-backed loans, you’re competing for the same borrowers as everyone else, and you’re letting good deals walk away. 

Some clients are strong borrowers on paper. They’ve got the assets, they’ve got the income, and they’ve got the credit. But their profile just doesn’t check all the boxes for an agency loan. Maybe they’re self-employed with a lot of write-offs, or an investor who needs to close fast without income documentation. 

When you have Non-QM lending in your back pocket, you don’t have to turn those clients away. You can say “yes” when other brokers can’t. 

What Non-QM Lending Really Means 

Many people mistakenly associate Non-QM loans with subprime lending, but that’s not the case. Non-QM borrowers often have strong credit scores, substantial assets, and a solid history of financial responsibility. What sets them apart is that they may not fit the narrow criteria of conventional financing. For example, self-employed individuals, real estate investors, or high-net-worth borrowers with complex income streams. 

Non-QM simply means “non-qualified mortgage.” These loans are mortgages that fall outside the strict rules of government-sponsored enterprises such as Fannie Mae and Freddie Mac. While Qualified Mortgages (QM) require rigid documentation for income, credit, and employment, Non-QM lending allows for more flexible ways to qualify, using alternative documentation, expanded property types, and broader credit considerations. 

LendSure Non-QM Programs Brokers Use to Win Deals 

BOOST Bridge Loan: Help buyers move on their next home before selling the current one. No monthly payments for up to 12 months, no DTI impact on the purchase, and time to sell for top dollar. 

Fix and Flip: Funding for up to 90% of purchase and 100% of construction (based on experience). Any investor experience level welcome. SFR and multifamily up to 4 units. 

DSCR Loans: Qualify on property cash flow only. Close multiple loans for the same investor. Non-warrantable condos and condotels allowed. Loan amounts up to $3M for 1-4 unit investment properties and up to $2M for 5-10 unit investment properties. 

Bank Statement Mortgage: 12- or 24-month options. Personal and business accounts accepted. Expense ratios as low as 10%. LTV up to 90%, loan amounts up to $3.5M. 

Jumbo Loans: Up to $3.5M loan amounts with multiple documentation options, including Bank Statement and Asset Qualifier. 

Asset Qualifier and Asset Depletion: Qualify high-asset borrowers without monthly income documentation. Our Asset Qualifier uses a 60-month draw period, doubling qualifying income compared to traditional asset depletion. 

Condotel Loans: Condotels are hybrid properties, part condominium, part hotel, and present distinctive opportunities for both investors and vacation home buyers. LendSure’s Condotel Loan Program addresses the common financing obstacles that brokers encounter when working with condotel buyers.  LendSure offers loan amounts up to $3 M and LTVs up to 75% LTV.  

FAQ About Non-QM Lending 

Is Non-QM lending only for borrowers with bad credit? 

Not at all. Many Non-QM borrowers have strong credit and significant assets. They might be self-employed, have variable income, or want a loan feature not allowed in a qualified mortgage, like interest-only payments or higher loan amounts. Others may have had a recent credit event but are otherwise financially sound.  

How is income typically documented in Non-QM loans? 

That depends on the program. With Bank Statement loans, we review 12 or 24 months of personal or business statements to establish income. With our Asset Qualifier program, we use liquid assets instead of income to qualify. In DSCR loans, we use the property’s rental income. What’s consistent is that LendSure offers common-sense underwriting that focuses on the full financial picture, not just a tax return. 

How is Non-QM pricing compared to conventional loans? 

Rates are generally higher than agency loans because Non-QM lenders take on more risk, these loans can’t be sold to Fannie Mae or Freddie Mac. But for the right borrower, especially someone shut out of traditional lending, the slightly higher rate is often a non-issue. What they care about is closing, and you delivering a solution others couldn’t. 

How do pre-qualifications work with LendSure? 

Fast and straightforward. All Non-QM pre-quals are handled in-house by experienced pros who specialize in these products. You’ll typically receive a detailed review within 24 hours. Our goal is to give you a clear path to closing with minimal back-and-forth. 

Do Non-QM loans take longer to close? 

Not necessarily. Our Fix and Flip program, for example, offers term sheets in hours and a fast path to funding. Other programs can move quickly, too, especially when documentation is organized upfront. LendSure’s Non-QM lending process is built for speed, but we’re also hands-on. You’ll have an account executive who helps you avoid common delays. 

What borrower profiles should I be looking for? 

Some instances that could be flagged for a Non-QM lending opportunities: 

• High credit, high assets, low reportable income 

• Self-employed borrowers who can’t qualify using tax returns 

• Rental property investors looking to qualify on cash flow 

• Borrowers who recently experienced bankruptcy or foreclosure 

• Clients wanting features like interest-only or higher DTI limits 

If you’re not sure whether a client qualifies, send us the scenario. We’ll help you find the right path forward. 

Why Brokers Keep Non-QM Lending in Their Toolkit 

When you can offer Non-QM, you can: 

• Say “yes” to clients others turn away 

• Build stronger referral relationships with agents, accountants, and financial advisors 

• Close more complex deals faster 

• Keep clients coming back for multiple transactions 

Remember, you don’t need to be a Non-QM lending expert to start offering it. That’s our job. You just need the right lending partner. 

THE LENDSURE WAY    

It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently owned property.    

Are you ready to benefit from a common-sense approach to lending? Contact us today to learn more about Non-QM lending and how partnering with LendSure Mortgage Corp. can help grow your bottom line.