Non-QM Loan Florida: Flexible Mortgage Options | CambridgeHomeLoan.com
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Non-QM Mortgages · Florida

Non-QM Loans in Florida

Flexible financing for buyers outside the standard box — self-employed, investors, foreign nationals, ITIN holders, and asset-rich borrowers. Bank-statement, DSCR, and asset-based programs, all in one place.

  • No W-2s or tax returns
  • Bank-statement & DSCR
  • Asset-based options
  • Flexible credit

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Same-day pre-qualification · no hard credit pull

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No W-2s
Flexible income
DSCR
& bank statement
Asset-based
Options
Statewide
All of Florida
Quick answer

What is a Non-QM loan in Florida?

A Florida Non-QM loan uses flexible, common-sense underwriting for buyers who don’t fit standard agency guidelines. CambridgeHomeLoan.com offers bank-statement, DSCR, asset-depletion, ITIN, and foreign-national programs — qualifying you on deposits, rent, or assets instead of W-2s and tax returns.

Outside the standard box? We have a program for you.
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Programs

Florida Non-QM programs

ProgramBest forHow you qualify
Bank statementSelf-employed / 1099Qualify on 12–24 months of deposits
DSCRInvestorsQualify on the property’s rental income
Asset depletionAsset-rich buyersQualify using liquid assets as income
ITINITIN holdersBuy with an ITIN, no SSN required
Foreign nationalNon-residentsNo SSN or U.S. credit needed
Recent credit eventPost bankruptcy/foreclosureShorter waiting periods than agency
Not sure which fits? We’ll match you free.
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Free tool

Estimate your monthly payment

Get a quick payment estimate for a Non-QM purchase or refinance. Adjust the price, down payment, and rate.

Estimated monthly payment (PITI)
$3,234
Loan $382,500 · P&I $2,609 · Taxes, ins & MI $625/mo

Estimate only. Your rate, taxes, insurance, and mortgage insurance depend on the property, program, and credit. Get an exact quote →

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Pros & cons

Non-QM pros and cons

Advantages

  • Qualify without W-2s or tax returns
  • Programs for self-employed, investors & foreign buyers
  • Asset-based and bank-statement income options
  • Shorter waits after a past credit event
  • Primary, second, and investment eligible

Considerations

  • Rates run a bit higher than agency loans
  • Larger down payments on some programs
  • Reserves are often required
  • Terms vary widely by program
Weighing it up? Talk to a Non-QM specialist.
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FAQ

Florida Non-QM loan questions

What is a Non-QM loan in Florida?
A Florida Non-QM (non-qualified mortgage) loan uses common-sense, flexible underwriting for buyers who don’t fit standard agency guidelines — the self-employed, investors, foreign nationals, ITIN holders, and asset-rich borrowers. It includes bank-statement, DSCR, and asset-based programs.
Who uses Non-QM loans?
Self-employed business owners, real estate investors, foreign nationals, ITIN holders, retirees qualifying on assets, and borrowers recovering from a past credit event — anyone whose income or profile is strong but doesn’t match a traditional box.
Do Non-QM loans require tax returns?
Often no. Bank-statement programs use deposits, DSCR uses the property’s rent, and asset-depletion uses your liquid assets — none of which rely on tax returns or W-2s.
Are Non-QM rates higher?
Typically a bit higher than agency loans, reflecting the flexibility. For many self-employed and investor buyers, the ability to qualify at all — and to close — outweighs the small rate difference.
Can I buy an investment property with Non-QM?
Yes — the DSCR program is a Non-QM loan built for investors, qualifying on the property’s rental income with no personal-income documentation.
Can I get a Non-QM loan after a bankruptcy or foreclosure?
Often yes, with shorter waiting periods than agency loans require. The exact timeline depends on the event and program.
Still have questions? Get answers and a quote today.
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A Florida mortgage that fits your profile

Bank-statement, DSCR, asset-based, ITIN, and foreign-national options.

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CambridgeHomeLoan.com · 4830 West Kennedy Blvd, Tampa, FL 33609 · NMLS #1826020 · 800-826-5077 · info@cambridgehomeloan.com. Equal Housing Lender. Non-QM programs have varying terms, down payments, and reserve requirements. Rates, terms, and eligibility are subject to change and to borrower and property qualification. This is not a commitment to lend.