Agent Cheat Sheet
Non-QM loan programs most lenders can't offer
Ryan Van Til
Pacific Trust Mortgage
NMLS #2336853
(805) 801-1380
If your buyer was denied by a bank or retail lender, don't lose the deal. As a wholesale mortgage broker, I have access to Non-QM (Non-Qualified Mortgage) lenders that specialize in scenarios conventional underwriting can't handle. Same quality loans, just flexible guidelines.
Qualify based on the property's rental income, not personal income or tax returns. If the rent covers the mortgage, your investor client can qualify — even with 20+ financed properties.
Best for: rental properties, Airbnb, multi-unit, portfolio investors
Your buyer is self-employed, shows $60K on tax returns but deposits $15K/month? Bank statement loans use actual deposits instead of tax returns. 12 or 24 months of statements.
Best for: business owners, 1099 contractors, freelancers, anyone with heavy write-offs
No income needed. Qualify by dividing liquid assets over the loan term to calculate a monthly “income.” Retirees, trust fund recipients, and high-net-worth buyers who don't have traditional paychecks.
Best for: retirees, trust beneficiaries, high-net-worth individuals
Buyer has enough assets to pay cash but prefers to finance and keep liquidity? This program lets them do exactly that — no income documentation required.
Best for: cash buyers who want to preserve liquidity, stock-heavy portfolios
Ryan Van Til
Mortgage Advisor · Pacific Trust Mortgage
NMLS #2336853
(805) 801-1380
ryan@pacifictrustmortgage.com
ryanptm.com