Don't Fit the Conventional Mold?
We Have Your Loan.
Self-employed? Real estate investor? High net worth with complex income? We specialize in non-QM loans that get California borrowers approved when traditional lenders say no.
Get Pre-Qualified in Minutes
No credit pull. No obligation. Response in 1 business hour.
If a Bank Said No, We Can Say Yes
Traditional lenders use rigid guidelines that exclude millions of qualified borrowers. Our non-QM programs are designed for real-world financial situations.
Non-QM Loan Programs
Six specialized programs designed for borrowers with non-traditional income. We'll match you with the right solution.
DSCR Loans
Debt Service Coverage Ratio
Qualify based on the property's rental income — no personal income or employment verification required. Perfect for real estate investors.
- No personal income needed
- Up to 80% LTV
- Short-term rentals OK
- Unlimited properties
Bank Statement Loans
12 or 24 Month Programs
Use your business or personal bank deposits as income. No tax returns, no W-2s. Ideal for self-employed borrowers whose write-offs reduce taxable income.
- 12 or 24 month options
- Business or personal accounts
- No tax returns
- Up to $3M loan amounts
Profit & Loss Loans
CPA-Prepared P&L Only
A CPA-prepared profit and loss statement is all you need. No bank statements, no tax returns. The simplest income documentation option for business owners.
- P&L statement only
- CPA or self-prepared
- 12 or 24 month P&L
- Fast approval
Asset Depletion
Qualify with Your Wealth
Turn your investment portfolio, retirement accounts, or liquid assets into qualifying income. Perfect for retirees and high-net-worth individuals.
- No income required
- Retirement accounts OK
- Investment portfolios
- High-value properties
No-Income / NINA
No Income, No Assets
No income verification, no employment, no asset documentation. Qualify purely on the property and your credit profile. The ultimate investor loan.
- No income docs
- No employment check
- Investment properties
- Credit-based approval
Self-Employed Loans
Business Owners Welcome
Comprehensive solutions for business owners, freelancers, gig workers, and contractors. Multiple income documentation options to find what works for you.
- Multiple doc options
- 1099 income OK
- Gig workers welcome
- Flexible guidelines
How It Works
Tell Us Your Situation
Complete our quick 2-minute form. No credit pull, no obligation. Just tell us your income type and loan goal.
We Match Your Program
Our specialists review your profile and identify the best non-QM program for your specific situation.
Minimal Documentation
We'll request only what's needed — bank statements, P&L, or asset statements. No tax returns in most cases.
Close in 21 Days
Once approved, we move fast. Most non-QM loans close in 21 days or less. You get your keys.
California's Non-QM Specialists
While most mortgage companies treat non-QM loans as a side business, it's our entire focus. We've built deep relationships with the nation's top non-QM lenders to give our California clients access to the most competitive programs available.
Non-QM Specialists
We exclusively focus on alternative lending — it's all we do, so we do it better than anyone.
California Experts
Deep knowledge of California's unique real estate markets from San Diego to San Francisco.
Multiple Programs
Access to dozens of non-QM lenders means we find the best rate and terms for your situation.
Fully Licensed
Licensed by CA DBO and CA DRE. NMLS #236669. Regulated, transparent, and trustworthy.
Real Borrowers, Real Results
"I've been self-employed for 12 years and every bank turned me down because my tax returns show minimal income. NicheLending got me approved using my bank statements in 3 weeks. Closed on my dream home in Pasadena."
"We used a DSCR loan to add our 4th rental property to our portfolio. No tax returns, no income verification — just the property's rental income. Closed in 21 days. The team was incredibly knowledgeable."
"As a recently retired physician with significant investment assets but no W-2 income, I needed a creative solution. The asset depletion program was perfect. Qualified for a $2.1M home with no income documentation."
Tim Storm, Mortgage Advisor
With over 35 years in California mortgage lending and a deep specialization in non-QM programs, Tim Storm has helped thousands of self-employed borrowers, investors, and non-traditional income earners achieve homeownership and build wealth through real estate.
- 35+ years California mortgage experience
- Licensed CA DBO & CA DRE | NMLS #236669
- Certified Non-QM Specialist
- Access to 40+ non-QM lending programs
- Average 21-day close on non-QM loans