Non-QM Loans in Ohio
Browse 33 lenders offering non-qm loans in Ohio. Compare rates, requirements, and loan programs — then connect directly.
Non-QM Lenders in Ohio
33 lenders offering non-qm loans to borrowers in Ohio.
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.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, 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.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Griffin Funding
CA
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
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
Tustin, 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.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
CA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
Newfi Wholesale
Emeryville, CA
Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.
Finance of America
Plano, TX
National lender with DSCR rental property loans through its commercial division. Also offers reverse mortgages and business purpose lending for investors.
First National Bank of America
East Lansing, MI
Community bank offering a DSCR program for investment properties with flexible terms. Known for portfolio lending and willingness to work with non-traditional borrowers.
HomeXpress Mortgage
CA
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.
MortgageRight
Austin, TX
National wholesale lender with DSCR programs for rental property investors. Offers competitive rates with streamlined processing for investment properties.
About Non-QM Loans in Ohio
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 Ohio, 33 lenders currently offer Non-QM financing with loan amounts from $100K to $5M and rates typically ranging from 6.5% - 10%.
Ohio Market Overview
Ohio's major metros of Columbus, Cleveland, and Cincinnati each have distinct economic specializations, with Columbus demonstrating particularly strong growth in technology, insurance, and logistics. The state is a significant manufacturing and healthcare services hub.
Ohio's Community Reinvestment Area (CRA) program is one of the state's most powerful CRE incentives, providing 100% property tax abatement on improvements for up to 15 years for qualifying commercial projects. The state's Tax Increment Financing program and Job Creation Tax Credit further enhance CRE development economics. Columbus has emerged as one of the top-performing Midwest CRE markets, with Intel's $20 billion chip fabrication facility in Licking County catalyzing a wave of supplier and support service commercial development in central Ohio.
Who Should Consider Non-QM Loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
Key Requirements
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Pros and Cons
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 FAQ
What is a bank statement loan? ▼
Are Non-QM loans safe? ▼
Non-QM Loans by City in Ohio
Find Non-QM Lenders in Ohio
Get matched with lenders offering non-qm loans in OH. Free for borrowers.
Get Matched — Free →