The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Real estate investor reviewing DSCR loan documents at a desk with a laptop and house model.

Outside-the-Box Mortgage Solutions: DSCR, Bank Statement, and Non-QM Loans Explained

By Scott Sheldon / June 5, 2025

Not every borrower fits neatly into a conventional mortgage box. In fact, as homeownership has become more dynamic and diverse, so too have the mortgage options available. If you’re self-employed, an investor, or someone with complex income streams, there’s good news — you’re no longer out of luck. There’s been a significant rise in non-QM…

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Scott Sheldon's The Mortgage FIles Blog

Non-QM Loans Explained: Flexible Mortgage Options for Unique Borrowers!

By Scott Sheldon / April 4, 2025

Not every borrower fits neatly into the traditional mortgage box—and that’s okay. Whether you’re self-employed, investing in rental properties, have complex income streams, or experienced credit hiccups, there are still options available. That’s where non-QM loans come in. Non-QM (non-qualified mortgage) loans are designed for borrowers who don’t meet the standard income, credit, or documentation…

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