Free · No signup · Not a credit decision

Self-serve non-QM tools. Free, no signup, no credit pull.

Pick the calculator that fits your scenario. Each one outputs a LendQM-branded PDF you can take to lenders so you don't have to re-explain your file every quote.

Self-employed · 1099 · investor · foreign national · recent credit event · fix-and-flip

Three calculators. Pick yours.

Not sure which? Start with the full estimator — it covers all 10 non-QM categories.

Full non-QM Estimator

DSCR Calculator

Real-time Debt Service Coverage Ratio for investment properties. See your DSCR move as you tweak rate, loan, or rent.

Strong / break-even / weak interpretation
Required rent for DSCR 1.0 / 1.25
Max loan derivation, IO support

Open DSCR analyzer

Fix-and-Flip / Hard Money

Size a hard money loan with LTV / LTC / LTARV math. See cost of capital and project profit before you commit.

Flip, BRRRR, or ground-up construction
Profit + ROI projection
BRRRR exit DSCR check

Size my flip

Need to see how the programs themselves work first?Browse all 10 non-QM categories →

Built on industry standards

Our estimates are based on aggregated guidelines from major non-QM lenders. We tell you which programs typically fit and why — not which specific lender to call.

No commitments, no fees

LendQM is free and educational. We don't take referral fees from lenders, so the estimate isn't shaped by who's paying us. Final qualification is always determined by a lender's underwriter.

Updated continuously

Non-QM guidelines move with the market. We refresh program parameters and rate ranges so you're estimating against today's environment, not last year's.

10 non-QM program categories — we cover all of them

Click any program to see typical qualifying parameters, or run the estimator to see which fit your scenario.

DSCR (Debt Service Coverage Ratio)

7.50–9.50%

Investor loans qualified by the rental income the property generates — no personal income docs.

FICO ≥ 660Up to 80% LTV≤ $3.5M

Bank Statement (12 or 24 month)

7.50–9.25%

Self-employed borrowers qualify off bank deposits instead of tax returns.

FICO ≥ 660Up to 85% LTV≤ $3.0M

P&L Only (CPA-prepared)

8.00–9.75%

Self-employed qualify off a CPA-prepared profit & loss statement, no bank statements needed.

FICO ≥ 700Up to 80% LTV≤ $3.0M

Asset Depletion

7.50–9.00%

Qualifying income calculated by dividing your total liquid assets by the loan term.

FICO ≥ 680Up to 80% LTV≤ $3.0M

Asset-Based (no income)

8.00–10.00%

Pure asset qualification — no income docs at all. For high-net-worth borrowers.

FICO ≥ 680Up to 70% LTV≤ $5.0M

Foreign National

8.00–10.50%

Non-US-resident borrowers buying US investment property.

Up to 70% LTV≤ $3.5M

ITIN

8.00–9.75%

For borrowers with an ITIN (Individual Taxpayer ID) instead of an SSN.

FICO ≥ 660Up to 85% LTV≤ $1.5M

1099 Only

7.75–9.50%

Independent contractors qualify off 1099 income, no tax returns or bank statements.

FICO ≥ 680Up to 85% LTV≤ $3.0M

Jumbo Non-QM

7.00–8.75%

High-balance loans above conforming/jumbo agency limits, with non-QM flexibility.

FICO ≥ 700Up to 80% LTV≤ $7.5M

Recent Credit Event

8.50–10.50%

Borrowers within 24 months of a bankruptcy, foreclosure, or short sale.

FICO ≥ 620Up to 80% LTV≤ $2.5M

How the estimator works

1
Tell us about the property and the loan
Purchase or refinance? Primary, second home, or investment? How much are you looking to borrow?
2
Tell us how you make money
Pick the income sources that apply — W-2, self-employed, 1099, rental, retirement, assets, international. We'll ask follow-ups for each.
3
Tell us about your credit
Approximate FICO range and any recent credit events (bankruptcy, foreclosure, short sale).
4
Get your estimate
We score each non-QM program against your scenario and show which match, with estimated loan amount and rate ranges.

Ready to see what fits?

Start the estimator

What this is — and what it isn't

LendQM is an educational estimator. The output is based on industry-typical non-QM guidelines aggregated across major lenders. It is not a credit decision, a pre-qualification letter, or a commitment from any lender. Final qualification is always determined by the lender's underwriter after a complete file review and credit pull. We don't charge you and we don't pull your credit.

We don't sell your information.

The information you enter on LendQM stays with you and the LendQM team. We don't share your data with lenders, brokers, or third parties without your explicit consent. We don't earn referral fees from lenders, so the estimate isn't shaped by who's paying us. If you provide an email address to download a report, we use it only to deliver that report and — if you opt in — to send our weekly non-QM rate update.