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.

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

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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

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

Ready to get started?

Get Approved Now:

(888) EAT-CAKE

Or

Calculate Your DSCR Loan Find Your Non-QM Solution Ready? Apply Now

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

 

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

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

Ready to get started?

Get Approved Now:

(888) EAT-CAKE

Or

Calculate Your DSCR Loan Find Your Non-QM Solution Ready? Apply Now

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

What DSCR Loan I Qualify For 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

 

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

Or

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

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

Or

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

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.

Check My Eligibility

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

 

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.

Check My Eligibility

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