Non-QM Loans in Riverside, CA
Find lenders offering non-qm loans in the Riverside, including San Bernardino, Ontario, Corona, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve Riverside?
33 lenders offering non-qm loans in the Riverside, CA area.
Athas Capital Group
LocalCA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
LocalAnaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
Griffin Funding
LocalCA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
LocalCA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
LocalTustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
Truss Financial Group
LocalCA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
LocalCA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Newfi Wholesale
LocalEmeryville, CA
Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.
HomeXpress Mortgage
LocalCA
Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.
Oaktree Funding
LocalCA
Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.
Kind Lending
LocalSanta Ana, CA
Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.
Change Lending
LocalCA
Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
What does the Riverside commercial real estate market look like?
The Riverside-San Bernardino metro, known as the Inland Empire, is one of the nation's largest industrial markets, driven by its role as the primary distribution hub for goods arriving through the Ports of Los Angeles and Long Beach. The I-10, I-15, and I-215 freeway corridors are lined with massive distribution centers serving e-commerce giants like Amazon, which operates multiple fulfillment and sortation centers in the region. Office and retail activity concentrates in the Ontario-Rancho Cucamonga corridor and around the University of California, Riverside campus. The west end of the Inland Empire around Ontario and Eastvale has attracted newer industrial construction, while the eastern portions near Moreno Valley and Perris offer lower land costs for large-format facilities.
Key Economic Drivers
- ●E-commerce fulfillment and third-party logistics operations (Amazon, FedEx, UPS mega-hubs)
- ●Ontario International Airport and its expanding cargo operations
- ●March Air Reserve Base industrial complex near Moreno Valley
- ●University of California, Riverside research campus and medical school
Market Insight
The Inland Empire has absorbed over 250 million square feet of industrial space since 2020, but rising land costs and local zoning pushback against new warehouse development in cities like Beaumont and Calimesa are constraining future supply and pushing rents higher.
How do non-qm loans work in Riverside, California?
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Riverside metro area, borrowers can access 33 lenders offering Non-QM financing, including San Bernardino, Ontario, Corona, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who should consider non-qm loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
What are the key requirements?
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Riverside FAQ
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