Residential & Non-QM
Home loans for the way you actually earn.
Bank statement, DSCR, ITIN, foreign national, P&L-only and self-employed financing for homebuyers and investors who don't fit a traditional box.
Program highlights
Flexible financing for every borrower profile.
The full menu
Residential, investor & Non-QM programs.
From bank statement and DSCR to ITIN and foreign national — the complete program lineup for homebuyers and investors who need options beyond agency guidelines.
Bank Statement Loans
- Up to 90% LTV with loan amounts up to $2 million
- Personal bank statements with 0% expense ratio
- Business bank statements with expense ratios as low as 10% with CPA letter
- Use primary wage earner's FICO for credit & pricing
- 50/50 business ownership – use higher borrower credit score for qualification
DSCR Investor Loans
- Up to 80% LTV purchases (85% LTV available with 1.00 minimum DSCR)
- 1.0 DSCR available
- Short-term rentals allowed
- 75% LTV no-ratio option
- No sourcing or seasoning of funds required
- No sourcing of large deposits
- 75% LTV for cash-out on 2-4 units
ITIN Loans
- Up to 80% LTV bank statement financing
Foreign National Loans
- No U.S. credit required
- Passport from country of residence only
- Up to 75% LTV
P&L Only Program
- No bank statements required
- CPA / EA / CTEC prepared P&L accepted
- Schedule C borrowers eligible
Self-Employed Borrowers
- Only 1 year self-employed required
- No 2-year business history required
Consumer Loans
- Only 30 days of bank statements required for down payment
Reserves
- 90% LTV – 3 months required
- 85% LTV & below – no reserves required
Greystone Advantages
- Bank Statement • DSCR • P&L • ITIN • Foreign National
- Competitive pricing
- Flexible underwriting
- Fast closings
FAQ
Residential questions, answered.
Non-QM (non-qualified mortgage) loans are designed for borrowers whose income, assets or credit profile don't fit traditional agency guidelines — self-employed borrowers, investors, foreign nationals and ITIN applicants. We verify income through bank statements, P&L, DSCR or alternative documentation.
Yes. Our bank statement programs use 12–24 months of personal or business bank statements to qualify income, with expense ratios as low as 10% (with a CPA letter). Personal bank statements can be used with a 0% expense ratio.
Yes — DSCR loans qualify on the property's rental income (debt-service coverage ratio), and we offer a 75% LTV no-ratio option with no income verification required.
Yes. Foreign national loans require no U.S. credit (passport from country of residence, up to 75% LTV), and ITIN borrowers can access bank statement financing up to 80% LTV.
Programs vary — use the primary wage earner's FICO for credit and pricing, and 50/50 business owners can use the higher borrower credit score. Contact us to review your scenario.
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