Flexible Home Loans for Unique Financial Needs
Don't fit the standard mold? We have financing solutions designed just for you.
Alternative Financing
Financing Solutions for Unique Borrowers
Not all borrowers meet standard mortgage guidelines. Non-QM (Non-Qualified Mortgage) programs create opportunities for self-employed individuals, investors, and others with non-traditional income to achieve homeownership.
Why Choose Non-QM?
- Flexible Income Verification (Bank Statements/Assets)
- No Waiting Periods After Credit Events
- Higher Loan Limits (Jumbo/Luxury)
- Investment Property Friendly (DSCR)
- Interest-Only Payment Options
Who Should Consider Non-QM Loans?
These loans are specifically designed to help borrowers who may have been turned away by traditional lenders.
Self-Employed
Qualify with bank statements or 1099s instead of tax returns.
Real Estate Investors
Loans tailored to rental properties, fix-and-flips, or DSCR loans.
Foreign Nationals
Financing for non-U.S. citizens without a U.S. credit history.
Credit Challenged
Solutions for recent bankruptcy, foreclosure, or lower credit scores.
Non-QM vs. Traditional Mortgages
See the difference in qualification requirements.
Real Estate Investor Solutions
Scale your portfolio with DSCR (Debt Service Coverage Ratio) loans. No personal income verification required—qualify based on the cash flow of the property itself.
- Short-Term Rentals (Airbnb/VRBO) Allowed
- No Employment Verification
- Close in an LLC
Estimate Your Affordable Monthly Payment
Take the guesswork out of home financing. Use our simple mortgage calculator to estimate your monthly payment in seconds. With just a few details: loan amount, interest rate, and loan term – you’ll see an accurate breakdown of what your monthly payments could look like. Start planning your next move with confidence today!
Estimate Your Monthly Payment
Client Success Stories
Don't just take our word for it. Here's what our satisfied clients have to say about their home buying journey.
Robert & Sarah J.
Miami, FL
"Relay Home Loans made the impossible possible. We had a complex income situation, but they navigated it with ease. We are now happily living in our dream home!"
Michael D.
Fort Lauderdale, FL
"The best rate I could find, period. The process was smooth, transparent, and fast. Highly recommended for anyone looking to refinance."
Amanda L.
Boca Raton, FL
"As a first-time homebuyer, I was terrified. Relay Home Loans walked me through every step, explained everything clearly, and got me a great deal."
Frequently Asked Questions
Have questions? We're here to help you understand the mortgage process.
Non-QM loans are ideal for self-employed borrowers, investors, those with unique income sources, or anyone who doesn’t fit the standard “qualified mortgage” mold.