Money Well Lending - Flexible Non-QM Loan Solutions
Empowering real estate investors, entrepreneurs, and non-traditional borrowers with creative mortgage solutions across AZ, CA, FL, ID, IA, OR, TX, and WA.
Debt Service Coverage Ratio (DSCR) Loans
Unlock real estate investment opportunities without the hurdles of traditional income verification. Our DSCR loans allow you to qualify based on your property's rental income — perfect for both seasoned and first-time investors.
- Minimum FICO: 620
- Finance up to 80% of your property's value
- No employment or personal income documents needed
- DSCR flexibility: qualify even if your rental income covers only part of expenses
- Cash-out refinancing available to fuel your next investment
Bank Statement Mortgage Loans
If you're self-employed, your success shouldn't be limited by traditional tax returns. With 12–24 months of bank statements, we help you qualify based on your actual income flow — bringing homeownership within reach.
- Minimum FICO: 620
- Up to 90% CLTV for greater purchasing power
- Accepts personal, business, or combined bank statements
- Dedicated income calculation assistance available
- Only 3 months of reserves required
1099-Only Mortgage Loans
Independent contractors and gig workers — this loan is made for you. If you receive 1099 forms instead of W-2s, you can still achieve your dream of homeownership or build your investment portfolio with flexible qualifying terms.
- Minimum FICO: 620
- Finance up to 85% of your property value
- One year of 1099 income history required
- Gift funds accepted to assist with your down payment
- Loan sizes up to $4 million available
Asset Qualifier Mortgage Loans
Have strong liquid assets but limited income documentation? Our asset qualifier mortgages allow retirees, high-net-worth individuals, and seasoned investors to leverage their savings for real estate ownership — no traditional income required.
- Minimum FICO: 620
- Loan amounts up to $4 million
- Qualification based on dividing your assets by 60 months
- Accepts 100% of cash accounts, 100% of public securities, and 70% of retirement accounts
- Only 3 months of reserves needed
Foreign National Loans
Non-resident borrowers can seize U.S. real estate opportunities with more flexible documentation. We accept alternative forms of credit, making it simpler for foreign nationals to finance properties in the United States.
- Competitive LTV options
- No U.S. credit score required
- Alternative credit references accepted
- Perfect for second homes or investment properties
- Flexible reserve requirements
Full Doc Non-QM Loans
For borrowers with income that doesn’t fit conventional guidelines — whether you have gaps in employment, complex tax returns, or are newly self-employed — our Full Doc Non-QM loans offer a path to homeownership with more flexibility and fewer roadblocks.
- Minimum FICO: 620 or no credit score accepted
- Loan amounts available up to $4 million
- Debt-to-Income (DTI) ratios up to 55% on primary residences
- Flexible documentation with 1 or 2 years full income verification
- Primary residences, vacation homes, and investment properties allowed