Non-QM lending for borrowers and scenarios traditional banks decline. Underwritten with judgment, closed with speed — DSCR, bank statement, asset depletion, jumbo.
From self-employed entrepreneurs to seasoned investors — we have a program designed to get your deal done.
Qualify on rental income, not personal income. Built for real estate investors scaling portfolios. No tax returns. No employment verification.
Learn more12 or 24 months of bank statements in lieu of tax returns. Designed for self-employed borrowers with write-off-heavy returns.
Learn moreQualify using a CPA-prepared profit & loss statement. Ideal for business owners who need maximum flexibility on income documentation.
Learn moreUse liquid assets to qualify. Perfect for retirees, high-net-worth individuals, and borrowers with significant savings but non-traditional income.
Learn moreFull suite of agency products with competitive rates. First-time buyers, veterans, and traditional W-2 borrowers welcome.
Learn moreHigh-balance lending for luxury and high-cost markets. Flexible underwriting with options up to $5M+ on select programs.
Learn moreWe built our platform around speed, flexibility, and closing the deals others won't touch.
Average clear-to-close in 18 days. Our streamlined process and in-house underwriting eliminate bottlenecks.
Foreign nationals. Recent credit events. Mixed-use properties. If there's a way to structure it, we'll find it and close it.
A deep network of wholesale and correspondent lender partners. One application, many options.
We shop the entire market for the best rate and terms. Unlike direct lenders, we work for you — not a single bank's bottom line.
From scenario to closing table — simplified.
Tell us about your deal. We'll assess it within hours and match it to the right program.
Receive multiple rate and term options from our lender network. Compare and choose your best fit.
Our team manages the full underwrite — conditions, docs, appraisal — so you stay focused.
Clear to close. Fund. Done. Average 18-day turn time from submission to close.
Non-QM (Non-Qualified Mortgage) loans serve borrowers who don't fit the rigid criteria of conventional lending. That doesn't mean they're risky — it means they're different. Business owners, investors, and high-net-worth individuals often have excellent credit and strong financials that traditional guidelines fail to capture.
Restaurant owner with $400K deposits but $80K taxable income. Qualified on 12-month statements at $680K.
Investor purchasing 4-unit property. Qualified on 1.25x DSCR ratio with no personal income docs required.
Retired executive with $3M in liquid assets. Qualified using asset drawdown calculation, no employment needed.
E-commerce business owner with fluctuating revenue. CPA-prepared P&L used as sole income documentation.
No tax returns. No employment verification. Qualify based on the property's rental income relative to the mortgage payment. The gold standard for real estate investors.
Real scenarios. Real closings. Real results.
Answer a few questions and get matched to the right program in minutes. No credit pull. No commitment.
Tell us about your deal — we'll show you what's possible.
"They closed my DSCR loan in 16 days when two other lenders couldn't even get past underwriting. The team actually understands investor deals."
"As a self-employed business owner, I was turned down everywhere. United Trust got me qualified on bank statements and closed in three weeks flat."
"Professional, fast, and they actually pick up the phone. This is how the mortgage industry should work. Already referred three colleagues."
Plain-English answers about Non-QM, DSCR, agency, and jumbo lending.
A Non-QM (Non-Qualified Mortgage) is a loan that doesn't meet the CFPB's qualified-mortgage criteria — typically because of alternative income documentation. United Trust Mortgage specializes in Non-QM products including DSCR, bank statement, P&L, and asset depletion loans for self-employed borrowers and real estate investors.
A DSCR (Debt Service Coverage Ratio) loan qualifies a real-estate investor on the rental income of the subject property — not on personal income. United Trust Mortgage offers DSCR loans up to 80% LTV with credit scores from 660. Read the full guide.
No. Non-QM programs qualify borrowers on bank-statement deposits, CPA-prepared P&L statements, liquid assets, or rental property cash flow — instead of W-2s or tax returns.
Yes. We're a full-service brokerage offering the complete agency stack — Conventional, FHA, and VA — alongside our Non-QM specialty programs. We shop multiple wholesale channels for the sharpest rate. Read more.
Yes. We close DSCR loans in single- and multi-member LLCs for liability protection and portfolio bookkeeping.
Minimums vary by program: Non-QM and DSCR start at 660; agency Conventional starts at 620; FHA accepts down to 580 (and 500 with 10% down on some lender overlays); VA generally requires 580+. Better pricing is available at 700+.
Yes. Our DSCR programs accept short-term rental income with a 12-month rental history, or an AirDNA Rentalizer projection on properties without a track record.
We work with a deep wholesale and correspondent lender network — one application, many options.
Up to $5M+ on select Non-QM jumbo programs. Agency conventional caps at $806,500 in standard counties for 2026 and higher in high-cost areas. Jumbo guide.
Submit your scenario and get options in hours, not weeks.