Austin Non-QM Loan Specialist
Non-QM Loans Austin TX
When Traditional Loans Say No.
Self-employed? Real estate investor? 1099 worker? Eddie Gamez specializes in Non-QM loans that qualify you on your real financial picture — not just a W-2.
Can self-employed borrowers get a mortgage in Austin without tax returns?
Yes — Non-QM (Non-Qualified Mortgage) loans are specifically designed for borrowers who can't qualify using traditional W-2 income. Self-employed borrowers can use 12–24 months of bank statements to document income. Real estate investors can qualify using a property's rental income via a DSCR loan — no personal income required. 1099 contractors, foreign nationals, and borrowers with recent credit events also have Non-QM options. Eddie Gamez works with Austin's top Non-QM lenders to find the right program for your income type.
Non-QM Programs Eddie Specializes In
Non-QM isn't one product — it's a category of flexible programs designed for borrowers with non-traditional income or credit profiles.
Bank Statement Loans
Self-employed? Use 12–24 months of personal or business bank statements to qualify — no W-2s or tax returns required.
DSCR Investment Loans
Qualify based on the rental income of the property, not your personal income. Perfect for real estate investors scaling a portfolio.
1099 Income Loans
Contractors, consultants, and gig workers can qualify using 1099 income — no need to average two years of tax returns.
Foreign National Loans
Non-US citizens and foreign nationals can purchase Austin investment properties or second homes with specialized Non-QM programs.
Asset Depletion Loans
High-net-worth borrowers with significant assets but limited income can qualify by converting assets into imputed monthly income.
Recent Credit Events OK
Bankruptcy, foreclosure, or short sale in your past? Some Non-QM programs allow qualification as soon as 1 day out of a credit event.
Who Non-QM Loans Are Built For
If a bank or conventional lender has turned you down, it doesn't mean you can't buy. It means you need a specialist who knows the right programs.
- Self-employed borrowers with strong bank deposits but complex tax returns
- Real estate investors using rental income (DSCR) to qualify
- 1099 contractors, freelancers, and gig economy workers
- High-net-worth individuals with assets but limited W-2 income
- Foreign nationals purchasing US investment or vacation properties
- Borrowers with recent credit events (bankruptcy, foreclosure, short sale)
Been turned down before?
Eddie has helped dozens of Austin self-employed borrowers and investors get approved after being denied elsewhere. Tell him your situation — he'll find a path.
Tell Eddie My SituationHow Non-QM Loans Work with Eddie
Non-QM loans require a specialist. Eddie knows which programs fit which borrowers — and how to get them approved.
Identify your income type
Eddie reviews how you earn — W-2, self-employed, 1099, rental income, or assets — and matches you to the right Non-QM program.
Gather the right documents
Non-QM loans use alternative documentation. Eddie tells you exactly what to pull together so there are no surprises.
Close with a specialized lender
Eddie works with a curated network of Non-QM lenders to find the best rate and terms for your unique situation.
Non-QM Loan Questions, Answered
Common questions Eddie hears from self-employed borrowers and investors.
What is a Non-QM loan?
Non-QM (Non-Qualified Mortgage) loans are home loans that don't meet the standard Fannie Mae/Freddie Mac guidelines. They're designed for borrowers with non-traditional income, recent credit events, or unique financial situations. They're fully legal and widely used — just underwritten differently.
Are Non-QM loans more expensive than conventional loans?
Non-QM rates are typically 0.5%–2% higher than conventional rates, reflecting the additional flexibility. For borrowers who can't qualify conventionally, they're often the best — and sometimes only — path to homeownership or investment. Eddie will show you the full cost comparison.
How do bank statement loans work for self-employed borrowers?
Instead of tax returns, Eddie uses 12–24 months of your bank statements to calculate your average monthly income. Business owners can use business statements with an expense factor applied. This often results in a higher qualifying income than what appears on a tax return.
What is a DSCR loan and who is it for?
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the rental income of the investment property — not your personal income. If the property's rent covers the mortgage payment (DSCR of 1.0+), you can qualify. It's ideal for investors who want to scale without income documentation hurdles.
Your Income Is Real. Your Loan Should Be Too.
Let's Find Your Non-QM Solution
Takes minutes. No commitment. Eddie will review your income type and match you to the right Non-QM program for your situation.
Start My ApplicationSelf-employed borrower resources
Connect bank-statement and Non-QM guidance with practical planning tools for business owners and 1099 earners.
Texas bank-statement mortgages
See how bank statements may be used to document qualifying income.
ExploreAustin DSCR investment loans
Learn about property-cash-flow financing for investors.
ExploreMortgage payment calculator
Model a payment range for your next purchase or refinance.
ExploreTalk through your income scenario
Get a personalized review of your financing options.
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