Non-QM Loans | Bank Statement & 1099 Mortgage Options | Bayou Mortgage
Alternative Documentation

Non-QM Loans for Self-Employed & Unique Income

Non-QM (Non-Qualified Mortgage) programs are designed for borrowers who don’t fit a one-size-fits-all box. If your tax returns don’t tell the full story, Non-QM options may offer a better path.

We shop multiple lenders to match you with the right program — bank statement, 1099-only, P&L options, asset-based qualifying, investor DSCR, and more (program availability varies).

✓ Bank Statement Options
✓ 1099-Only Programs
✓ Asset-Based Qualifying
✓ Investor DSCR Options
Get My Non-QM Quote → 📞 337-476-2623

What we’ll do for you

We’ll identify the best Non-QM program for your income type, estimate payment scenarios, and map the fastest path to approval.

✓
Program Match
We pick the right Non-QM lane based on how you get paid.
📄
Docs Checklist
Simple checklist so you know exactly what to provide.
💡
Payment Range
We show realistic payment options for your scenario.
🚀
Next Step
Clear timeline and next actions to move fast.
Guidelines vary by lender and scenario. We’ll show options, not hype.
★
5-Star Google Rated
✓
500+ Families Closed
⚡
Fast Answers
🔒
NMLS #1845349
Non-QM Options

Common Non-QM Loan Programs

Non-QM is a category, not one single loan. Here are the most common programs we use to help borrowers with self-employed income, variable income, or investor strategies. Exact guidelines vary by lender.

🏦

Bank Statement Loans

Qualify using 12–24 months of personal or business bank statements when tax returns don’t reflect true cash flow.

12–24 MonthsPersonal/BusinessSelf-Employed
🧾

1099-Only Programs

For contractors and 1099 earners. Some programs allow qualifying based primarily on 1099 income and supporting documentation.

Contractors1099 IncomeAlt Docs
📊

P&L / CPA Letter Options

In certain scenarios, lenders may allow a Profit & Loss statement and/or CPA support to help document income (program dependent).

P&LCPA SupportProgram Dependent
💼

Business Owner Programs

Designed for entrepreneurs who reinvest heavily or have write-offs. We match the lender to how your business actually runs.

EntrepreneursWrite-offsFlexible
🏘️

DSCR Investor Loans

Investor option that can qualify based on rental cash flow rather than personal income (for investment properties).

InvestorsCash FlowRental
💰

Asset Depletion / Asset Utilization

Qualify using eligible assets to support the payment. Helpful for retirees or high-asset, lower-income profiles.

AssetsRetireesAlt Qualify
📌

Interest-Only Options

Some Non-QM programs offer interest-only payments for a period of time (program dependent). Useful for certain cash-flow plans.

IO OptionsCash FlowProgram Dependent
🏦

Jumbo Non-QM

For higher loan amounts where traditional documentation doesn’t fit. We shop lenders for best pricing and structure.

JumboAlt DocsBroker Shopping
🧠

Mixed / Variable Income

Commission, bonus, seasonal, or multiple income streams. Non-QM can help when conventional math doesn’t reflect stability.

CommissionSeasonalMultiple Streams
Good Fit

Who Non-QM Loans Are Great For

If you’re self-employed or your income is “real” but hard to document on tax returns, these programs are built for you. The goal is clarity — choose the program that matches how you earn.

Self-Employed Borrowers

✓
Business owners with write-offsTax returns may look low even with strong deposits/cash flow.
✓
1099 contractorsCommon for trades, sales, consulting, and gig-style income.
✓
Multiple income streamsWhen income is stable overall but messy on paper.

Investors & High-Asset Profiles

✓
Rental property buyersDSCR loans can focus on property cash flow for investment properties.
✓
Retirees / asset-rich borrowersAsset utilization can support qualifying when income is limited.
✓
Strategic cash flow planningInterest-only options may fit certain scenarios (program dependent).
How It Works

Get Matched to the Right Non-QM Program

The fastest Non-QM approvals happen when we pick the right program up front and give you a clean checklist.

01
🧠

Tell Us How You Get Paid

Self-employed, 1099, deposits, assets, rental income — we start with your real picture.

02
🧾

Pick the Best Program

Bank statement vs 1099 vs asset-based vs DSCR — we match the program to your profile.

03
📄

Simple Checklist

We give you a short, specific checklist so underwriting doesn’t drag.

04
🎉

Close with Confidence

You’ll understand the terms, payment, and next steps before you commit.

Common Questions

Non-QM Loan FAQ

Most questions come down to documentation, down payment, and which program fits your income type.

Get My Quote →
What does “Non-QM” mean? +
Non-QM stands for Non-Qualified Mortgage. It’s a category of loan programs designed for borrowers who don’t fit standard “one-size-fits-all” documentation rules.
Is Non-QM the same as subprime? +
Not necessarily. Many Non-QM borrowers have strong credit and assets — their income is simply harder to document in traditional ways. Programs and pricing vary by scenario.
Which Non-QM program should I choose? +
It depends on how you get paid. Bank statements fit deposit-based income, 1099 programs fit contractor income, asset-based fits high-asset profiles, and DSCR fits investment properties.
Do Non-QM loans require a bigger down payment? +
Down payment requirements vary by program, credit, and property type. We’ll confirm the most realistic ranges in your quote.
How fast can Non-QM close? +
Timelines depend on program, appraisal, and how quickly documents are provided. When we choose the right program upfront, the process is typically much smoother.

Ready for a Clear
Non-QM Quote?

Tell us how you get paid and what you’re trying to do. We’ll match you to the best Non-QM loan option and lay out your next step.

Get My Quote → 📞 Call 337-476-2623