Non-QM Loans in San Diego, CA
Find lenders offering non-qm loans in the San Diego, including Chula Vista, Carlsbad, Oceanside, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve San Diego?
33 lenders offering non-qm loans in the San Diego, 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 San Diego commercial real estate market look like?
San Diego's CRE market is distinguished by its concentration of life sciences and defense sector tenants, with the Torrey Pines/UTC corridor housing one of the nation's densest biotech clusters alongside major institutions like Scripps Research, Salk Institute, and UC San Diego. The Sorrento Valley and Kearny Mesa submarkets serve as the region's primary life sciences and tech office nodes, while the Otay Mesa border crossing area supports cross-border logistics and manufacturing operations with Tijuana. Downtown San Diego's East Village and Little Italy neighborhoods have densified with mixed-use and multifamily projects. The Carlsbad and Oceanside coastal submarkets attract lifestyle-oriented office tenants and have seen growing interest from defense technology firms.
Key Economic Drivers
- ●Biotech and life sciences corridor (Illumina, Dexcom, Neurocrine Biosciences) in Torrey Pines/UTC
- ●Naval Base San Diego, Marine Corps Air Station Miramar, and defense contractor presence
- ●UC San Diego research campus and Scripps Research/Salk Institute complex
- ●Cross-border manufacturing and logistics with Tijuana via Otay Mesa
Market Insight
San Diego's life sciences sector commands among the highest lab space rents in the country, and purpose-built lab and R&D facilities in the Torrey Pines corridor routinely achieve lease rates 40-60% above conventional office space in the same submarket.
How do non-qm loans work in San Diego, 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 San Diego metro area, borrowers can access 33 lenders offering Non-QM financing, including Chula Vista, Carlsbad, Oceanside, 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 San Diego FAQ
How many Non-QM lenders serve San Diego, CA? ▼
What are Non-QM loan rates in San Diego? ▼
What is a bank statement loan? ▼
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Where else can I find non-qm loans in California?
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