High loan-to-value (LTV) mortgage loan options can be especially valuable for borrowers with limited down payment funds. For self-employed borrowers who may not qualify under traditional lending guidelines, there are specialized Non-QM (Non-Qualified Mortgage) programs that allow for more flexible income documentation and higher LTVs. Some options include:

  1. Bank Statement Loans
  • Use 12–24 months of personal or business bank statements instead of tax returns.
  • Allows self-employed borrowers to qualify based on actual cash flow.
  • LTVs can often go as high as 90%–95% depending on credit profile.
  1. Asset Depletion Loans
  • Assets (investment accounts, retirement funds, savings) are used as income.
  • Useful for self-employed individuals with substantial liquid assets.
  • High LTVs possible with strong reserves.
  1. Profit & Loss Statement Loans
  • Qualify using CPA-prepared P&L statements rather than full tax documentation.
  • Can support higher LTVs with strong business performance.
  1. 1099 Only Programs
  • Ideal for independent contractors.
  • Income is averaged from 1099 forms without the need for full tax returns.
  • Some lenders allow up to 90% LTV.
  1. Interest-Only Options
  • Available under certain Non-QM programs.
  • Can improve cash flow for self-employed borrowers managing variable income.

✅ Key Benefits for Self-Employed Borrowers:

  • Flexibility with income documentation.
  • Access to high LTV purchase and refinance programs.
  • Ability to qualify even with complex tax filings or significant write-offs.

Would you like me to create a side-by-side comparison chart of these Non-QM high LTV options showing credit score requirements, max LTVs, and documentation needed?

Non-QM High LTV Solutions

For borrowers with higher DTIs, self-employed income, or non-traditional profiles, Non-QM loans can provide more flexible options:

  • Bank Statement Loans: Use personal or business bank statements to qualify instead of tax returns.
  • High DTI Allowances: Some Non-QM lenders permit DTIs above traditional agency limits.
  • Interest-Only Options: Can reduce monthly payments and improve affordability.
  • Expanded Credit Considerations: Useful for borrowers with recent credit events or non-standard income.