Non-QM & Investor Loans
Flexible, asset-based financing built for self-employed borrowers and real estate investors.
Bank Statement Loans are an alternative lending product for self-employed individuals and business owners who lack traditional tax returns or W-2 documentation.
Learn more →Construction loans provide short-term financing for building new homes or major renovations, typically lasting 6-12 months during the construction phase.
Learn more →Designed specifically for real estate investors, DSCR loans allow borrowers to qualify based primarily on the income-generating potential of the property rather than personal income or tax returns.
Learn more →Foreign national loans provide mortgage financing for non-U.S.
Learn more →Jumbo loans are mortgages that exceed the conforming loan limits established by the Federal Housing Finance Agency, making them too large to be purchased by government-sponsored enterprises.
Learn more →Non-Qualified Mortgage (Non-QM) loans are alternative financing products that don't meet the Consumer Financial Protection Bureau's Qualified Mortgage standards, offering flexibility for borrowers with unique financial situations.
Learn more →Reverse mortgages allow homeowners aged 62 and older to convert home equity into cash while continuing to live in their homes.
Learn more →Commercial loans finance income-producing properties such as office buildings, retail spaces, warehouses, and multi-family apartment complexes.
Learn more →Let's Find Your Fit
A dedicated loan officer will match you to the right program.
Secure & Confidential • Quick Process • No Obligation
Get Started With Investor & Non-QM Lending
Ready to get started? Our licensed team makes the process simple. We compare your options and explain each one in plain language. There is no pressure and no obligation.
Why investors work with TPRG Capital
We underwrite the way investors think: deal first. Bring the property and the numbers, and we structure around cash flow, entity, and exit strategy.
Your loan officer speaks fluent investor — DSCR math, LLC vesting, portfolio sequencing — and answers at the speed competitive offers demand.
We proudly serve homebuyers, homeowners, and investors across Texas. Our office sits at The Star in Frisco. We are fully licensed under NMLS #2692844. Above all, we want to help you make a confident, well-informed decision.
Have a question before you begin? We are happy to help. Reach out today and a friendly loan officer will walk you through the next steps.
Also, you can review independent tips from the Consumer Financial Protection Bureau. When you are ready, request your free quote today.
Frequently Asked Questions
What does Non-QM actually mean?
Non-QM means the loan does not meet the Consumer Financial Protection Bureau’s Qualified Mortgage standard. That is a documentation and structure definition, not a quality judgement. Non-QM loans are fully underwritten; they simply qualify borrowers using evidence other than tax returns and W-2s.
How many investment properties can I finance?
Agency programs limit the number of financed properties. Non-QM and DSCR investors generally do not apply the same cap, which is why portfolio investors move to these programs once they run out of conventional slots. Limits vary by investor.
Do Non-QM investor loans require personal income documentation?
Often not. DSCR loans qualify on the property’s rental income. Asset depletion qualifies on documented liquid assets. Bank statement programs qualify on deposits. The right structure depends on what your situation documents most cleanly.
Can I hold title in an LLC?
Many investor programs allow it, and investors frequently prefer it. Requirements differ by investor and there are consequences for personal guarantees and documentation. Raise it early, because it affects which lenders fit.
Are Non-QM loans only for investors?
No. Self-employed borrowers buying a primary residence use Non-QM programs regularly, typically through bank statement or asset depletion documentation. The common thread is documentation, not property type.
TPRG Capital · (972) 679-1613
Jimmy D. Williams, Residential Mortgage Loan Originator, NMLS #1860818 · TPRG Capital, NMLS #2692844
5 Cowboys Way, Suite 300, Frisco, TX 75034 · Licensed in Texas · Equal Housing Opportunity
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans subject to credit approval.