The mortgage industry is shifting, and one of the biggest things reshaping the market is the rise of Non-QM lending. For borrowers who don’t fit the strict requirements of traditional mortgages, Non-Qualified Mortgage (Non-QM) loans offer much-needed flexibility. And for you, the broker, this shift presents a major opportunity to serve more clients and grow your business.
With more self-employed professionals, real estate investors, and borrowers with unique financial situations seeking financing, the demand for Non-QM lending is only expected to increase.
Here’s why this market is growing—and how you can take full advantage with LendSure.
Why Is Non-QM Lending on the Rise?
Unlike Qualified Mortgages (QM), which require borrowers to meet strict income, credit, and employment standards, Non-QM loans provide alternative ways to qualify. That means borrowers who have strong finances but don’t fit into traditional guidelines—like gig workers, self-employed individuals, and real estate investors we mentioned earlier—can still secure financing.
1 | More Self-Employed Borrowers Are Entering the Market
The number of self-employed workers continues to climb, with 16.5 million people in the U.S. working for themselves as of late 2023—about 10% of the workforce. These borrowers often earn strong incomes, but their tax returns don’t always reflect their full earning potential. Since traditional mortgages rely on W-2s and tax returns, self-employed borrowers can struggle to qualify.
2 | The Gig Economy Is Reshaping Borrower Profiles
The gig economy is booming, with over 70.4 million Americans participating in freelance and contract work in 2025. These workers earn money from multiple sources and don’t receive traditional paychecks, making their income harder to document under traditional lending guidelines. With the rise of Non-QM lending, these borrowers now have access to financing that allows them to qualify using bank statements or P&L statements instead of W-2s.
3 | Real Estate Investors Need Alternative Financing
More than 70% of rental properties in the U.S. are owned by individual investors, but many don’t qualify for traditional loans. Since most real estate investors write off expenses to reduce taxable income, their tax returns can make it appear as though they earn less than they actually do.
How LendSure Helps You Close More Non-QM Loans
At LendSure, we make it easy for you to help more clients with our full suite of Non-QM loan programs. Our flexible qualification options, fast approvals, and industry-leading funding times give you the tools to close more deals and grow your business.
DSCR Loans
LendSure’s Debt Service Coverage Ratio “DSCR” loan program allows you to help investors qualify based on rental income, without requiring tax returns or personal income verification. There’s no limit to the number of properties an investor can own, and financing is available for up to 10 properties per investor. With Interest-Only payment options and loan amounts up to $3 million, DSCR loans make it easier for you to serve real estate investors.
Bank Statement Loans
If you work with self-employed clients, you know how challenging it can be for them to qualify with traditional documentation. With LendSure’s Bank Statement loan program, your borrowers can qualify using 12- or 24-month bank statements, no tax returns required. Business and personal bank statements are accepted, and P&L statements are not needed. With loan amounts up to $3 million and LTVs up to 90%, this program allows you to approve more self-employed borrowers with ease.
Asset Depletion Loans
For borrowers with strong assets but little to no steady income, LendSure’s Asset Depletion/Asset Qualifier program provides an alternative to traditional income verification. Instead of relying on tax returns, we calculate qualifying income based on liquid assets. With our five-year draw period, we allow for higher qualifying income than standard asset depletion programs, making it easier for you to serve retirees, entrepreneurs, and high-net-worth borrowers.
Jumbo Loans
For clients who need high-value financing, our Jumbo loan program offers loan amounts up to $3 million, with LTVs as high as 90%. Borrowers can choose from fixed-rate or adjustable-rate options, including a 40-year term with a 10-year Interest-Only period. Cash-out refinancing is available, with up to $1 million in equity access—helping you provide solutions for borrowers with larger financing needs.
BOOST Bridge Loans
Our BOOST Bridge loan program gives you an edge by helping borrowers secure a new home before selling their current one. With no monthly payments for up to 12 months, clients don’t have to rush into selling their property. Unlike traditional bridge loans, BOOST won’t impact the borrower’s DTI on their new mortgage, making it easier for them to qualify. Available for primary residences with LTVs up to 75%, this program gives you a powerful solution for homebuyers in transition.
Fix and Flip Loans
For real estate investors looking to buy, renovate, and resell properties, LendSure’s Fix and Flip loan program offers fast approvals and flexible financing. Loan amounts cover up to 85% of the purchase price and 100% of renovation costs, with 12-month Interest-Only terms. This program is available for single-family and multi-family properties up to four units, making it a great way for you to help both first-time and experienced investors.
Why Now Is the Time to Offer Non-QM Loans
Non-QM lending is growing fast, creating a big opportunity for you to reach more clients and close more deals. As more borrowers look for alternative mortgage solutions, brokers who understand and offer Non-QM loans will stand out in the market.
Partnering with LendSure gives you the tools and support to:
- Help clients who don’t meet traditional lending requirements find financing options that work for them
- Close more deals with flexible underwriting and loan programs designed for real-world borrowers
- Expand your business by offering in-demand mortgage solutions that help clients buy, invest, and refinance with confidence
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. Did you like our guide to Non-QM loans? Check out another blog on the subject.
