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Loan Program

Non-QM Loans in Florida

Flexible mortgage solutions for self-employed borrowers, investors, and anyone who doesn't fit the traditional mold.

Not every great borrower fits neatly into a standard loan box. If you are self-employed, an investor, a retiree living on assets, or someone with a less conventional income story, a Non-QM loan may be the answer. These programs look at your full financial picture in ways traditional loans cannot.

What Does Non-QM Mean?

Non-QM stands for Non-Qualified Mortgage. A qualified mortgage follows a specific set of federal income and documentation rules. A Non-QM loan does not follow all of those rules, which means lenders can use alternative ways to verify your ability to repay. This is not a lower-quality loan; it is simply a more flexible one designed for borrowers whose income does not show up neatly on a W-2 or tax return.

Types of Non-QM Loans We Offer

Bank statement loans

Qualify using 12 to 24 months of personal or business bank statements instead of tax returns. Ideal for self-employed borrowers.

DSCR loans

Qualify based on the rental income of an investment property rather than personal income. Popular with portfolio investors.

Asset-based loans

Use your liquid assets, such as savings and investments, to demonstrate your ability to repay.

Profit-and-loss (P&L) loans

{WORDS}Designed for self-employed borrowers using a profit-and-loss statement to document income.

Links:

Learn more about DSCR loans

Learn more about bank statement loans

Who Benefits from a Non-QM Loan?

  • Business owners and self-employed professionals who write off expenses and show lower taxable income.
  • Real estate investors building a portfolio.
  • Retirees with significant assets but limited monthly income.
  • Borrowers with a recent credit event who are otherwise strong.

How It Works

Tell Us Your Goal

Tell us what you are looking for and share some basic financial details.

Get Pre-Approved

We help you get pre-approved so you know your budget and can shop with confidence.

We Handle Underwriting

Once you are under contract, we submit your file and guide it through underwriting.

Close With Confidence

We coordinate the appraisal, title, and closing so you can move into your new home.

Run your numbers first

Free calculators, dictionary, and guides.

Good to Know

Frequently Asked Questions

Are Non-QM loans safe and legitimate?
Yes. Non-QM loans are fully legal and widely used. They simply use alternative ways to document income while still confirming that you can comfortably afford the loan.
Do Non-QM loans have higher rates?
Pricing depends on the program, your credit, and the down payment. Because they serve borrowers who fall outside standard guidelines, terms can differ from conventional loans. We will walk you through your specific options.
How is qualifying for a Non-QM loan different from a standard mortgage?
A standard mortgage usually requires tax returns and W-2s. Non-QM programs use alternative documentation instead, such as bank statements, a profit-and-loss statement, verified assets, or rental income on the property itself. Lenders still confirm you can afford the loan; they just look at different paperwork to do it.
Can I refinance out of a Non-QM loan into a conventional loan later?
Many borrowers use a Non-QM loan short term and refinance into conventional financing once their income documentation, credit, or circumstances line up with standard guidelines. There is no set timeline that works for everyone. When you are ready, we will review whether a refinance into conventional terms makes sense for you.
What documents do I need for a Non-QM loan?
Documentation generally depends on which Non-QM program fits you best, whether that means bank statements, verified assets, or a profit-and-loss statement. There is no single document checklist that applies to everyone. Reach out and we will walk you through exactly what your specific program would ask for, with no obligation.
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This is a request for information, not a loan application, and not a commitment to lend. All loans subject to credit approval.

Hyve Financial LLC · NMLS# 2710731 · Equal Housing Opportunity.