Non-QM Financing

Non-QM Financing: Strategic Capital for Unique Scenarios.

Not every borrower fits the standard “Qualified Mortgage” (QM) regulatory box. When your documentation doesn't align with traditional tax models, we use Non-QM pathways to structure your financing based on actual asset velocity and business cash flow.

Get Pre-Qualified Talk With a Licensed Mortgage Loan Originator

Model My Non-QM Scenario

Tell us how your income works. A specialist reviews the file personally — precision underwriting, not a checklist.

Full name *Email *Phone (optional)Your income path *

Educational modeling only; not an offer of credit or a commitment to lend. All Non-QM scenarios are originated in accordance with Ability-to-Repay (ATR) rules. No credit file is pulled by using this tool.

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The Reality

Why “Non-QM” isn't “sub-prime.”

Asset-Based Focus

We structure these loans based on the strength of your assets and business flow, not the limitations of your tax returns.

The Structural Difference

Non-QM is about precision underwriting. It requires a more sophisticated review of your bank statements or P&L, but it allows for a financing outcome that traditional agency guidelines would reject.

Sustainability Check

Non-QM programs use different documentation and underwriting methods. A licensed mortgage loan originator can explain eligible financing structures and loan requirements; Imperium does not provide investment or financial-planning advice.

Self-Select Your Path

Which scenario describes your income?

Bank Statement Program

For service-based businesses with steady deposits. We use the flow, not the bottom-line tax number.

Explore bank statement paths

1099 / Contractor Path

For high-revenue, recurring contract income. We model the stability of your revenue streams.

Explore 1099 paths

Investor / DSCR Path

For financing property based on rental cash flow. We underwrite the asset, not your personal income.

Explore DSCR financing

Frequently Asked Questions

Straight answers on Non-QM lending.

Is Non-QM “risky”?

No. Non-QM simply means “non-agency” — the loan can't be sold to Fannie Mae or Freddie Mac. To offset that, these programs typically require higher reserves and larger down payments, but the loan itself is structured to be sustainable for your situation. It is not sub-prime lending.

Why are Non-QM rates higher?

Because Non-QM loans cannot be sold to Fannie Mae or Freddie Mac, they don't benefit from agency pricing. You are paying for the flexibility of the underwriting guidelines — the ability to qualify on bank statements, 1099s, or rental cash flow rather than tax returns.

How does this work with ATR/QM rules?

We originate all Non-QM scenarios in strict accordance with the federal Ability-to-Repay (ATR) rules. Every file documents a reasonable, good-faith determination that you can repay the loan, so you are fully protected even outside the standard QM box.

Documented income that fits agency guidelines? Visit the Entrepreneur's Hub for QM paths →