Peak Choice Capital
Alternative Qualification Methods
Non-QM loans use innovative underwriting to help qualified borrowers who don't fit traditional lending boxes
Bank statement income verification
Asset depletion programs
DSCR (Debt Service Coverage Ratio) loans
Up to 30-year amortization
Competitive rates starting at 6.75%
No traditional income documentation
Non-QM Loan Programs
Choose the program that best fits your financial situation and investment goals
Bank Statement Program
12-24 months of business or personal bank statements
LTV:Up to 80%
Rate:6.125%+
Asset Depletion
Use liquid assets to qualify for income
LTV:Up to 75%
Rate:7.25%+
DSCR Loans
Qualify based on property cash flow
LTV:Up to 80%
Rate:6.250%+
Who Benefits from Non-QM?
Non-QM loans are designed for sophisticated investors with unique financial profiles
Self-Employed Investors
Perfect for entrepreneurs and business owners with variable income
Rental Property Investors
Use rental income and DSCR to qualify for investment properties
High Net Worth Individuals
Asset-based lending for investors with significant assets but complex income
Foreign Nationals
Financing options for international investors in US real estate