Alternative options like Non-QM & DSCR loans.

A flexible alternative to help meet your needs.

Your finances shouldn’t fit someone else’s box. At Cake, our Non-QM and DSCR loans use bank statements and alternative income for self-employed pros like you. Buy, refinance, or invest without changing your taxes—because you’ve earned a bigger slice of the American Dream.

DSCR
Your Property Pays, You Prosper
Non-QM
Your Loan, Your Way

Completely secure: SSN not needed. Won’t impact credit score. Your details remain yours.

Who are Non-QM & DSCR loans right for?

Business owners
Self-employed or 1099 earners
Real estate investors
Foreign nationals
Borrowers with high assets but inconsistent income

Check My DSCR Eligibility Check My Non-QM Eligibility

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Key features of Non-QM & DSCR loan approvals:

Flexible Income Documentation:
- Use bank statements, asset depletion, or rental income instead of W-2s or tax returns.
Expanded Debt-to-Income Ratios:
- Higher DTI limits compared to conventional loans.
Credit Flexibility:
- Accepts lower credit scores or recent credit events like bankruptcies or foreclosures.
Interest-Only or Alternative Structures:
- May offer interest-only payments or alternative amortization schedules
(DSCR) Approved based on the property’s cash flow
- Not your personal income

See What DSCR Loan I Qualify For See What Non-QM Loan I Qualify For

Completely secure: SSN not needed. Won't impact credit score. Your details remain yours.

What are the benefits?

Flexible qualification criteria beyond traditional debt-to-income ratios
Faster approval process for certain borrower profiles
Ability to qualify with recent credit events (typically just 1-2 years after bankruptcy/foreclosure)
Multiple property financing options for investors
Solutions for unique income situations not served by conventional mortgages

Check My Non-QM Eligibility

Completely secure: SSN not needed. Won't impact credit score. Your details remain yours.

Here’s a comparison:

Name: Andrew
Occupation: General Contractor
Annual Revenue: $1.2M
Taxable Income (after deductions): $80,000
Credit Score: 730
Goal: Purchase a rental property for investment

The Traditional Route:

Andrew approaches conventional lenders with his financials. Despite running a successful construction business with $1.2M in revenue, they fixate solely on his $80K taxable income. The significant write-offs that make his business tax-efficient become a barrier, and he's denied financing because he doesn't fit their rigid income-to-debt ratio requirements.

The Cake Advantage:

With Cake, Andrew's full financial picture comes into focus. We analyze his business bank statements from the past 12 months, revealing consistent deposits from his construction contracts. With his excellent 730 credit score and 20% down payment—and boom! Mike easily qualifies for his rental property loan. At Cake, we back the entrepreneur behind the numbers.

Get Approved Now:

(888) EAT-CAKE

How Much Can I Save with a Non-QM Loan How Much Can I Save with a DSCR Loan

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Our promise to you.

Ultimate Transparency

Unlike most mortgage companies, which claim to be better while keeping you in their AI-powered feedback loop of confusion, Cake combines tech-enabled efficiency with human-powered care so you’ll always know exactly what’s happening with your mortgage.

We’re here for a good time, not a long time. At Cake, we get your mortgage closed and done easily, quickly, and hassle-free-often within 28 days.

Competitive Rates

At Cake, we’ll do whatever it takes to get you the most competitive rate, even if we make less. This is because we want to be your partner for life.

Partner for life

A home is the biggest investment most people will ever make, yet most people aren’t taking full advantage of the financial opportunities our homes offer. At Cake, our mission is to help our customers unlock the potential of their homes at every stage of home ownership.

We're Not Just Talking, Our Customers Are Raving:

4.8

Based on 919 reviews

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100% confidential: SSN not required. No credit pull. Your data stays private.