Non-Qualified Mortgage (Non-QM) Loans



Best Capital Funding is committed to meeting the needs of all borrowers - not just those who fit into the conventional standards of a qualified mortgage. We offer flexible financing when traditional qualification methods simply will not work.

Non-QM Loan Programs

Investor Cash Flow

Created specifically for investors, qualification is based on the income to be generated by the subject property. 


1099 Only

The 1099 Only loan option is for underserved self-employed borrowers who are 1099 workers. These underserved borrowers can use 1099 earning statements in lieu of tax returns to qualify for a mortgage.


Asset Depletion

Asset Depletion Loans provide high-net-worth individuals with a loan qualification option that doesn’t require income documentation. Qualifying for an Asset Depletion loan is based entirely on your assets, including savings, investments, trusts, and retirement accounts as a means to repay the loan.


Bank Statement

Best Capital Funding’s Bank Statement program may be a good option for self-employed borrowers who need an alternative method to show the true cash flow of their business.


Full Documentation

A solution for loan scenarios that don’t quite fit the guidelines of conventional financing. Qualification focuses on the borrower’s ability to repay based on common sense underwriting, and perfect credit is not required.