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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