Non-QM Loans Florida, Georgia, Maryland & DC | Bank Statement, DSCR & P&L Loans | Jhenesis Mortgage

Non-QM Loans: Unlock Financing Freedom Without W-2s or Tax Returns

Flexible mortgage solutions for self-employed professionals, real estate investors, and foreign nationals in Florida, Georgia, Maryland, and Washington DC.

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Free DSCR Calculator + Professional Bank Statement & P&L Analysis

Get an instant DSCR estimate and request a complimentary review of your bank statements or P&L for personalized qualification insights.

DSCR Loan Calculator (Investor Loans)

Monthly Gross Rental Income ($)

Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA) ($)

*Estimate only. Most lenders require DSCR ≥ 1.0 for qualification.

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What Are Non-QM Loans?

Non-Qualified Mortgage (Non-QM) loans are flexible financing options designed for borrowers who don’t fit traditional “qualified mortgage” guidelines. Perfect for self-employed individuals, real estate investors, and foreign nationals, Non-QM loans use alternative documentation like bank statements, rental income, or assets — no tax returns or W-2s required.

At Jhenesis Mortgage, we specialize in Non-QM solutions that empower you to achieve homeownership or investment goals without the restrictions of conventional lending.

Our Non-QM Loan Programs

Self-employed professional reviewing bank statements for Non-QM loan

Bank Statement Loans

Qualify using 12-24 months of personal or business bank statements. Ideal for self-employed borrowers who write off expenses on taxes.

Real estate investor analyzing rental income for DSCR loan

DSCR Loans (Investor Cash Flow)

No personal income verification — qualify based solely on the property’s rental income. Perfect for real estate investors building portfolios.

Profit and loss statement for P&L Non-QM loan

P&L Loans

Use your business Profit & Loss statement (prepared by an accountant) to qualify — no bank statements or tax returns needed.

Foreign national couple purchasing U.S. property with ITIN loan

ITIN Loans

No SSN required. Foreign nationals and residents with ITINs can purchase or refinance U.S. properties.

Fix and flip loan calculator and renovation project

Fix & Flip Loans

Short-term financing for investors rehabbing properties — fast closings and no personal income verification.

Home equity access with bank statement HELOC

Bank Statement HELOC / Closed-End Seconds

Tap into your home equity using bank statements — great for self-employed borrowers needing cash-out.

Frequently Asked Questions About Non-QM Loans

What is a Non-QM loan?

A Non-Qualified Mortgage (Non-QM) is a flexible loan that doesn’t meet traditional “qualified mortgage” standards, allowing alternative income verification like bank statements or rental income.

Who qualifies for Non-QM loans?

Self-employed borrowers, real estate investors, foreign nationals with ITINs, and anyone with non-traditional income sources who may not qualify for conventional loans.

Do Non-QM loans require tax returns?

No — most programs (bank statement, DSCR, P&L) qualify without tax returns or W-2s.

What is a DSCR loan?

Debt Service Coverage Ratio loans qualify investors based on rental income only — no personal DTI or income verification required.

Are Non-QM loans available in Florida, Georgia, Maryland, and DC?

Yes — we specialize in Non-QM financing across these states with local expertise.

How fast can I close a Non-QM loan?

Many Non-QM loans close in 30-45 days, faster than traditional mortgages in many cases.

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