The Best Non-QM Loans for SoCal Homebuyers | Valor Lending Group
The Best Non-QM Loans for SoCal Homebuyers are transforming the way borrowers in Los Angeles, San Diego, and Orange County secure financing. Whether you’re self-employed, an investor, or someone who doesn’t fit into the traditional lending box, Non-QM loans open doors to flexible mortgage solutions tailored to your unique situation.
At Valor Lending Group, I specialize in helping Southern California borrowers access these powerful loan options, giving you the freedom to achieve your real estate goals without the roadblocks of conventional lending. From LA’s dynamic housing market to coastal opportunities in San Diego and the thriving communities of Orange County, I’ll guide you through every step.
Call me, Hayden Madison, directly today at 858-349-7538, or email me at hmadison@valorlending.com
Let’s take the next step toward securing your SoCal property together.
The Best Non-QM Loans for SoCal Homebuyers
When it comes to buying or refinancing a home in Southern California, many borrowers find themselves hitting a wall with traditional mortgage requirements. Whether you’re self-employed, a real estate investor, or simply someone whose financial profile doesn’t fit into the conventional box, Non-Qualified Mortgage (Non-QM) loans may be the perfect solution. The best Non-QM loans for SoCal homebuyers are designed to offer flexibility and opportunity, especially in markets like Los Angeles, San Diego, and Orange County, where diverse income streams and high property values are the norm.
At Valor Lending Group, I help borrowers across Southern California access creative financing solutions that align with their goals. Let’s take a closer look at how Non-QM loans work, the different programs available, and why they’re such a powerful tool for homeowners and investors throughout LA, San Diego, and OC.
What Are Non-QM Loans?
Non-Qualified Mortgage loans, commonly known as Non-QM loans, provide financing alternatives to traditional lending options. Unlike conventional or government-backed loans, Non-QM loans allow for more flexible underwriting guidelines. This makes them ideal for borrowers who:
- Are self-employed and write off business expenses that lower taxable income
- Have significant assets but a limited monthly income
- Invest in real estate and prefer a cash-flow-based qualification
- Need unique loan features like interest-only payments or extended terms beyond 30 years
Even though they don’t follow the rigid requirements of conventional mortgages, Non-QM loans still comply with the Dodd-Frank Act’s Ability-to-Repay (ATR) Rule for owner-occupied properties. That means lenders carefully review a borrower’s ability to pay, but they do so with more creative approaches to income verification.
In SoCal markets like Los Angeles, San Diego, and Orange County, where home prices are high and income situations often vary, Non-QM loans have become an essential option for buyers and investors alike.
Call me, Hayden Madison, today at 858-349-7538.
Let’s transform your real estate goals into keys in your hand.
The Best Non-QM Loans for SoCal Homebuyers: Program Options
Not all Non-QM loans are the same. Here are the top programs that Los Angeles, San Diego, and OC borrowers are using to secure homes and investments.
1. Bank Statement Loans
One of the most popular Non-QM products in Southern California is the bank statement loan. This option is a game-changer for self-employed borrowers who make strong income but whose tax returns don’t reflect their earnings accurately due to IRS write-offs.
Instead of requiring W-2s or pay stubs, bank statement loans allow lenders to review 12–24 months of bank statements. They focus on business deposits and overall cash flow, providing a fairer representation of actual income.
For the thriving entrepreneurial communities in LA, the tech-driven businesses in San Diego, and the high number of independent professionals in Orange County, bank statement loans offer a clear path to homeownership without the frustration of traditional qualification hurdles.
2. Asset Depletion Loans
In Southern California, many borrowers have built significant wealth through investments, retirement accounts, or savings, even if they don’t have a consistent monthly income. Asset depletion loans are designed for these situations.
Instead of focusing on salary, lenders use the borrower’s liquid assets, dividing them over 60–72 months to determine repayment ability. For high-net-worth borrowers in coastal communities like La Jolla, Newport Beach, or Malibu, this program allows them to leverage their assets and secure financing even without steady paychecks.
3. No-Tax-Return Investment Property Loans
Real estate investors in SoCal know that cash flow is everything. No-tax-return investment property loans provide an efficient way for investors to qualify based on rental income rather than personal income.
Since these loans apply to non-owner-occupied properties, lenders evaluate the rental property’s income and expenses to ensure it covers the mortgage payment. With no tax returns, employment history, or debt-to-income ratio requirements, investors in markets like Downtown LA, Mission Valley in San Diego, or Irvine in Orange County can quickly expand their portfolios.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s start the conversation about your SoCal financing options today.
Why Non-QM Loans Are Perfect for SoCal
The Southern California housing market is unique. With its mix of high property values, diverse income sources, and a large population of entrepreneurs and investors, traditional mortgages often leave many qualified buyers on the sidelines. That’s why the best Non-QM loans for SoCal homebuyers are such a strong fit; they adapt to the borrower rather than forcing the borrower to adapt to the loan.
In Los Angeles, where creatives, small business owners, and entertainment professionals often have fluctuating income, bank statement loans and asset depletion loans provide the flexibility needed to buy homes in competitive neighborhoods.
In San Diego, with its mix of military families, biotech professionals, and entrepreneurs, Non-QM loans allow borrowers to qualify for high-value homes in coastal communities without being boxed in by conventional standards.
And in Orange County, where property prices are among the highest in the nation, real estate investors and high-net-worth borrowers often turn to Non-QM programs to secure funding quickly and strategically.
Choosing the Right Non-QM Loan in LA, SD, and OC
Finding the right loan comes down to your financial profile and goals. Here are a few quick guidelines:
- Self-Employed Borrowers: Bank statement loans or profit-and-loss-based loans may be the best fit
- High-Net-Worth Borrowers: Asset depletion loans provide flexibility
- Real Estate Investors: No-tax-return investment property loans or DSCR (Debt Service Coverage Ratio) loans streamline qualification
- Unique Situations: Private money loans or other Non-QM products can fill the gap when speed or special circumstances matter most
If you’ve been turned away by traditional lenders, don’t let that stop you from buying, refinancing, or investing in Los Angeles, San Diego, or Orange County. Non-QM loans are designed to help borrowers like you succeed, offering flexibility, speed, and opportunity in one of the most competitive housing markets in the country.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s connect and tailor a loan program that fits your unique income and lifestyle.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation). Typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming, aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance, including Cash Out
**Rates and terms are subject to change without notice
