Non-QM — Fast, Flexible, Asset-Based Capital
Instant AI underwriting, integrated appraisal + title, terms in minutes. Not tax returns, W-2s, or bank statements — asset value, cash flow, experience, and exit drive the credit box.
Why Choose CR Equity AI for Non-QM Lending
Fast, flexible capital for real estate investors who need minimal documentation and real speed
Instant AI Underwriting
Terms in minutes with minimal documentation — not tax returns, W-2s, or bank-statement-only boxes.
Appraisal + Title Integration
Streamlined workflow for faster funding on commercial and residential investment loans.
Full Non-QM Suite
Fix & flip, bridge, portfolio, SFR, townhomes, warrantable condos, multifamily, and cash-out to 70% LTV.
Asset-Led Credit Box
Underwriting emphasizes asset value, cash flow, borrower experience, and exit strategy.
Key Program Highlights
70% LTV, 600 FICO, experience-based underwriting, full investor program suite
Is Non-QM Right for You?
Check borrower and transaction fit before applying.
Eligible
- Investors meeting minimum FICO 600 and experience requirements
- Borrowers with documented track record (3 projects in last 24 months)
- Entity or individual borrowers on qualifying investment collateral
- Deals that fit fix & flip, bridge, portfolio, SFR, condo, or multifamily programs
Not Eligible
- RV parks and motor homes
- Transactions outside program guidelines or documentation rules
- Borrowers who cannot meet experience or credit minimums
Common Non-QM Use Cases
Cash-out, fix & flip, bridge-to-perm, portfolio recap, and maturing debt refinance.
Equity From Stabilized Assets
Cash-out refinance up to 70% LTV to redeploy capital into new deals.
Portfolio Recapitalization
Consolidate or resize debt across a portfolio of investment properties.
Cash-Out for New Acquisitions
Pull liquidity to fund the next acquisition while you execute your pipeline.
Customer Speak
Investors using Non-QM for speed and flexibility.
Frequently Asked Questions
Everything to know about Non-QM qualification and structure.
Non-Qualifying Mortgage loans that do not rely on traditional bank documentation. We focus on asset value, cash flow, borrower experience, and exit strategy — not tax returns, W-2s, or bank statements alone.
Fix & flip, bridge, portfolio, single-family investment, townhomes, warrantable condos, multifamily, and cash-out refinance up to 70% LTV.
Typically minimum FICO 600, three projects in the last 24 months, minimal AI-driven underwriting, and eligibility across nearly all asset classes except RV parks and motor homes.
Terms in minutes with integrated appraisal and title workflows — built for fast funding on qualified files.
Need Non-QM Speed Without the Bank Box?
Asset-based investor loans with AI underwriting, integrated appraisal and title, and funding built for competitive acquisitions.