Know your loan options — before anyone else does.
Answer a few private questions about your purchase or refinance, and see which loan path realistically fits: conventional, DSCR, bank statement, ITIN, foreign national, or VA. No hard credit pull. No application. No pressure — just a straight answer from a broker who’s licensed to give one.
Your Scenario Snapshot
Private — visible only to you and StacyQM vs. Non-QM — in plain English
Most borrowers only know one door exists. If your income, your paperwork, or your immigration status doesn’t fit neatly into a W-2 box, the second door is often the faster — and sometimes the only — way in.
QM — the standard path
Underwritten to federal guidelines using W-2s, tax returns, and standard debt-to-income ratios. Usually the lowest-rate option when you qualify for it.
- ✔ Conventional (Fannie Mae / Freddie Mac)
- ✔ FHA — lower down payment, flexible credit
- ✔ VA — for eligible veterans & service members
- ✔ Florida Hometown Heroes programs
Non-QM — the flexible path
Underwritten using alternative documentation for borrowers whose real financial picture doesn’t show up on a standard tax return.
- ✔ DSCR — qualify on rental income, not your paycheck
- ✔ Bank statement / P&L — for self-employed borrowers
- ✔ ITIN — no Social Security number required
- ✔ Foreign national — no U.S. credit history required
Your confidential scenario check
Five quick questions. No SSN, no document upload, no hard credit pull — just enough to point you at the right door.
Is this a purchase or a refinance?
Buying a property
Rate-term or cash-out
How will you use this property?
Where you’ll live
Not rented out
Rented or to be rented
How do you document your income?
Standard pay stubs
2 years, standard docs
Tax returns don’t reflect real cash flow
Qualify on the deal, not my paycheck
No Social Security number
No U.S. credit history
A couple of ballpark numbers
Where should Stacy send your snapshot?
This is the only step that leaves this page — and it’s still confidential. Nothing here becomes a credit inquiry.
Here’s your likely path
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This snapshot is an educational estimate based on what you shared — not a pre-qualification, pre-approval, or commitment to lend.
The more accurate this is, the more useful it is. There’s no “wrong” answer that disqualifies you — only an answer that points to the right loan.
- ✔No hard credit pull to see your options
- ✔No document upload required at this stage
- ✔Reviewed personally by a licensed broker, not a call center
- ✔You decide if and when to move to full pre-qualification
Loan programs, matched to real life
Seven paths. One broker who’s licensed to originate all of them, so you’re not guessing which lender to call next.
DSCR Investment Loans
Qualify on the property’s rental income, not your personal tax returns. Purchase, cash-out refi, or no-seasoning refi for landlords and first-time investors alike.
See if this fits me →Bank Statement / P&L Loans
Built for self-employed borrowers whose write-offs make their tax returns look smaller than their real income. Qualify on deposits or a CPA-prepared P&L instead.
See if this fits me →ITIN Home Loans
You don’t need a Social Security number to own property in Florida. ITIN loans use your Individual Taxpayer Identification Number and their own set of documentation.
See if this fits me →Foreign National Loans
Financing for non-U.S. citizens without U.S. credit history, using passport, visa, and international financial documentation. Common for investment purchases.
See if this fits me →Conventional & FHA
The standard path for W-2 and documented-income borrowers — including first-time buyer programs and Florida Hometown Heroes where applicable.
See if this fits me →VA Loans
For eligible veterans, active-duty service members, and surviving spouses — including help understanding remaining or restored entitlement for a second VA loan.
See if this fits me →Built for people who aren’t ready to be “the buyer everyone knows about” yet
Whether you’re not ready to tell your agent, your family, or your business partner yet — or you just don’t want a sales call before you understand your own numbers — this tool exists to answer the question first, privately.
No hard credit inquiry happens just to review your scenario. That only occurs later, with your knowledge, once you choose to move forward.
Your answers go to Stacy directly — not a lead-buying network, not a call center rotation, not a public database.
There’s no obligation to apply after your scenario check. You leave with an answer either way, and decide the next step on your own timeline.
Questions people ask before they ask Stacy
Already know which door is yours?
Skip the scenario check and go straight to full pre-qualification — same broker, same confidentiality, no wasted time.
Get Pre-Qualified Now →