20/10/2026
Buying a rental property but your tax returns don't show your real buying power? 🏠
That's where a non-QM loan can help. Sean Wilkins explains it in 35 seconds:
✅ "Non-QM" = a non-qualified mortgage. It falls outside Fannie Mae and Freddie Mac guidelines.
✅ A conventional loan usually qualifies you on your tax returns.
✅ A non-QM investor loan (often called a DSCR loan) can qualify you on the property's estimated rental income instead.
✅ Self-employed? Some non-QM options use bank statements in place of tax returns.
The honest part: non-QM pricing and down payment requirements usually differ from conventional loans. If you fit the conventional box, that may still be your better deal. We'll run both side by side so you can compare.
📖 Read the full answer: mortgagefloridahome.com/frequently-asked-questions/ -qm-investment-loan
📞 (239) 829-1543 · 1425 Del Prado Blvd S, Cape Coral
¿Habla español? Pregunte por Felix Escobar.
Sean Wilkins NMLS #1891338 · Fairview Lending Inc NMLS #230610 · Equal Housing Opportunity. Educational only, not a commitment to lend. All loans subject to credit approval and program guidelines. Not all applicants will qualify.
