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Non-QM Solutions for Investment Properties

January 22, 2025
Investment Property Loans

Real estate investors purchased around 44,000 U.S. homes in the first quarter of 2024—a slight but notable increase from the previous year and the first growth in investor purchases since mid-2022. This uptick highlights the continued demand for investment properties, but securing financing can still be a challenge, especially for those with non-traditional financial profiles.

That’s why Non-QM solutions for investment properties are so valuable. They address these challenges by providing flexible financing options that open doors for a wide range of investment strategies.

What Are Investment Property Loans?

Investment property loans are designed specifically for financing properties that generate income or are intended for resale. Unlike traditional home loans for primary residences, these loans focus on the property’s potential to make money, making them a key tool for real estate investors.

These loans can be used for a variety of reasons, including:

  • Buying rental properties to create a steady income stream
  • Renovating homes to sell for a profit
  • Building new properties to grow portfolios

With flexible qualification options and terms tailored to meet individual needs, investment property loans give borrowers the tools they need to pursue real estate opportunities and build wealth over time.

Types of Non-QM Investment Property Loans

LendSure offers a comprehensive suite of Non-QM loan programs designed to help you meet the needs of your investor clients:

  • DSCR Loans: Qualifies borrowers based on the property’s cash flow, requiring no personal income documentation. Ideal for 1-4 unit and 5-10 unit properties, these loans are perfect for cash-flow-focused investors.
  • Foreign National Loans: Designed for international clients investing in U.S. real estate, with minimal documentation and a streamlined process.
  • Fix and Flip Loans: Provides quick approvals for investors purchasing and renovating properties for resale, ensuring projects stay on schedule.
  • Ground-Up Construction Loans: Offers end-to-end financing for building new properties, whether single-family homes or multi-unit developments.
  • Bank Statement Loans: Perfect for self-employed borrowers, these loans use bank deposits as proof of income instead of tax returns.
  • Non-Warrantable Condo Loans: Flexible financing for condos outside conventional lending criteria, such as those in high-investor developments or with incomplete construction.
  • Full Doc Loans: Competitive rates for borrowers who meet traditional documentation requirements while still benefiting from Non-QM flexibility.

Why Non-QM Solutions Work for Investment Properties

Non-QM loans stand out because they adapt to unique borrower needs, offering benefits such as:

  • Property Variety: Non-QM loans cover a range of property types, including single-family homes, multi-unit buildings, condos, and new construction projects.
  • Flexible Qualification: Borrowers can qualify using alternative methods, such as rental income or bank statements, instead of rigid criteria like tax returns or W-2s.
  • Move Quickly in Competitive Markets: Non-QM loans offer faster approvals, allowing investors to act decisively when opportunities arise in high-demand markets.
  • Tax Savings: Many real estate investors qualify for valuable tax benefits, like deductions for mortgage interest, depreciation, and operating expenses, which can reduce ownership costs.
  • Protect Against Inflation: Property values often rise with inflation, making real estate a dependable way to maintain and grow wealth during periods of economic change.

By offering Non-QM solutions for investment properties, you can deliver financing options that align with clients’ needs and support their success.

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 loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.

Contact Us: (888) 707-7811