Non-Qualified Mortgages
Non-Traditional Loans for Income That Doesn’t Fit on a W-2
What are Non-Qualified Mortgages?
Non-Qualified Mortgages (Non-QM Loans) offer a valuable solution for individuals who don't meet traditional loan requirements. Unlike Qualified Mortgages (QM), Non-QM loans are designed for financially stable borrowers with unique income structures.
Types of these borrowers include self-employed individuals, business owners, investors, or those with non-traditional income sources.
Flexible Solutions
Tailored for unique situations
Business Owners
Perfect for entrepreneurs
Investment Ready
Built for investors
Find Your Perfect Program
Search through our Non-QM loan programs to find the right solution for your unique financial situation
SRK CAPITAL offers a variety of Non-QM Loans.
Asset Depletion Loans
An asset depletion loan qualifies you on your liquid assets instead of employment income. The lender divides your eligible assets over the loan term to create a monthly income figure.
Bank Statement Loans
These loans allow self-employed borrowers, or those with non-traditional income, to qualify based on their bank statements instead of W-2s or pay stubs.
Bridge Loans
This type of loans allows home owners the ability to buy a new home before selling their current one. They can use their existing home's equity as collateral with this short-term financing tool.
Get Started Today
Ready to take the next step on your home lending journey? At SRK CAPITAL, we're here to make home lending easy. Whether you're looking to buy, refinance, or learn more about one of our loan programs, we are here for you.
We have a dedicated team that understands no client is the same. That is why we offer a wide variety of loans so you get the loan that best suit your needs.
SRK CAPITAL shops every Non-QM file across 160+ wholesale lenders, so a bank statement or DSCR loan gets priced by lenders who actually want that business. Reach out and we’ll start with the program that fits your income, not a generic application.
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Updated 9/16/2026
Non-Qualified Mortgage (Non-QM) Guide
A Non-Qualified Mortgage (Non-QM) is a home loan that doesn't meet the standard criteria set for Qualified Mortgages under federal guidelines. Non-QM loans often use alternative documentation, such as bank statements or asset verification, instead of traditional income proof. These options can help self-employed borrowers or those with unique financial situations, though terms, rates, and requirements vary by lender and borrower qualifications.
- Non-QM loans allow alternative documentation methods, such as bank statements or asset-based verification, instead of standard W-2 or tax return requirements.
- These loans may suit self-employed individuals, investors, or borrowers with non-traditional income sources, subject to lender-specific eligibility criteria.
- Terms, interest rates, and underwriting standards for Non-QM loans vary by lender and are not guaranteed; borrowers should review all conditions carefully.