Find the best solutions
for your borrowers
Learn more about how Non-QM products from Arc Home can help your borrowers close on their dream home.
Non-QM Scenarios
Scenario 1
Your Local Electrician: Self-Employed High Cash-Flow, Low Taxable Income
Customer: Owner of ‘In Town Electric’ and looking to purchase a larger home for his family.
Barrier: “Your tax returns do not show enough income”
Solution: Alternative Income Qualification (Bank Statement Loan)
- 12 Months Business Bank Statements
- Business Narrative
- Qualifying Income is calculated from the Net Average Monthly Business Cash Flow
Scenario 2
Seasoned Real Estate Investor looking to expand their portfolio with Short- Term Rental Properties
Customer: A seasoned Real Estate Investor is looking to purchase a 4-unit Airbnb vacation property which will be a great investment.
Barrier: Because of gaps in rental history and deductible expenses, the customer does not qualify for a traditional mortgage.
Solution: Investor Cash Flow Loan
- Estimated Monthly Rent from the Appraisal is at least 75% of the Total New Housing Payment
- Proof of assets for down payment and required reserves
- Only 20% Down-Payment (vs. 25% Traditional Lending)
- Fixed-Rate Interest-Only Reduces Payment
Scenario 3
New Retirees are looking to move closer to family
Customer: Ava and Patrick are recently retired and want to move closer to their children and families.
Barrier: No steady income to show ability to repay the loan
Solution: Asset Utilization Loan
- 4 Months Personal Asset Statements
- Use stocks, bonds and other tangible assets to qualify
- Qualifying Income is calculated from Net Qualified Assets divided by 36 months
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