Non-QM Loans
Flexible mortgage options for borrowers who don't fit traditional lending guidelines.
Ideal For
Borrowers outside conventional Fannie/Freddie boxes
Miami • Brickell • Nationwide
No Tax Returns?No Problem.
Get approved using bank statements or alternative documentation. When traditional banks can't qualify you, Flexx Mortgage can.
Built for self-employed borrowers, business owners, entrepreneurs, freelancers, and investors who deserve financing designed around the full financial picture.
- Close in as Little as 21 Days
- Same-Day Response Guaranteed
- No Tax Returns Required
- Self-Employed & 1099 Friendly
- Direct Access to Decision-Makers
- Transparent, No-Pressure Process
Free • No Obligation
See What You Qualify For
Takes about 60 seconds. No tax returns required.
Proven Results
Trusted by Thousands of Borrowers
We're proud to be the go-to lender for self-employed entrepreneurs, business owners, and investors nationwide.
0+
Families Helped
and counting this year
#0
Lender for Self-Employed
entrepreneurs & business owners
$0.0B+
Loans Funded
across all 50 states
0.0/5
Client Rating
from real borrower reviews
Trusted • Accredited • Recognized
BBB A+ Accredited
Google 5★ Rated
Yelp 5★ Reviews
Realtor.com Partner
MLS Listed
National Assoc. of Realtors
NMLS Licensed
Equal Housing Lender
Mortgage Bankers Assoc.
Top 1% Loan Originator
Zillow Premier Agent
FHA / VA Approved
BBB A+ Accredited
Google 5★ Rated
Yelp 5★ Reviews
Realtor.com Partner
MLS Listed
National Assoc. of Realtors
NMLS Licensed
Equal Housing Lender
Mortgage Bankers Assoc.
Top 1% Loan Originator
Zillow Premier Agent
FHA / VA Approved
Loan Programs
Loan Solutions Built for theReal World
Six specialized programs designed around how today's borrowers actually earn, invest, and live.
Apply Now
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns.
Ideal For
Self-employed earners with strong cash flow
DSCR Loans
Finance investment properties based on the property's rental income, not your personal income.
Ideal For
Real estate investors scaling portfolios
Self-Employed Loans
Designed for entrepreneurs, business owners, freelancers, and independent professionals.
Ideal For
1099 earners, consultants, gig professionals
Investor Loans
Purchase, refinance, or cash-out on rentals, short-term properties, and small commercial.
Ideal For
Active and passive real estate investors
Alternative Doc Loans
Use the strength of your overall financial profile when conventional paperwork falls short.
Ideal For
Borrowers with complex or non-traditional income
10+ yrs
Helping borrowers traditional banks turn away.
Who We Help
Built for Borrowers Traditional Banks Overlook
If your income story is anything but standard, we want to hear it. Our specialty is finding the loan structure that fits your full financial picture.
Self-employed business owners
1099 earners and contractors
Real estate investors
Entrepreneurs and founders
Freelancers and consultants
Borrowers with complex income
Clients declined by traditional banks
Foreign nationals & ITIN borrowers
Built on Trust
A trusted name inflexible mortgage lending.
Specialized in the loans big banks won't touch — built on a track record of approvals, repeat clients, and 5-star reviews.
15+Years
Of lending experience
$2B+
Funded for our clients
10K+
Borrowers approved
4.9★
Average client rating
Multi-State Lender
We help borrowers across multiple states — bringing flexible Non-QM solutions wherever your deal lives.
Top-Rated Non-QM Lender
Recognized as one of the country's most flexible Non-QM, bank statement, and DSCR specialists.
BBB A+ Accredited
Fully licensed, NMLS registered, and held to the highest standards of consumer trust and transparency.
Wholesale Pricing Power
Direct access to 50+ wholesale investors means we shop your file — you get the sharpest rate in the market.
Fast, Reliable Closings
Most loans close in 2–4 weeks. Predictable timelines so you never lose a deal to a slower lender.
Real Humans, Real Answers
Talk to a senior loan specialist on day one — no call centers, no junior reps, no runaround.
Our Process
Simple. Fast. Flexible.
Four straightforward steps from first conversation to closing day.
01
Tell us about your scenario
Share your goals, income story, and the property — in 60 seconds or one quick call.
02
We review your full picture
Our specialists look beyond tax returns to find the right loan structure for you.
03
We match you with the right strategy
Get a clear, personalized recommendation across our Non-QM, DSCR, and bank statement programs.
04
You move forward with confidence
Smooth underwriting, transparent communication, and a closing built around your timeline.
Tools
Mortgage Calculator
Estimate your monthly payment with taxes, insurance, and mortgage insurance.
$
10%· $45,000
6.75%
1.1%
0.6%
$
$
Monthly Payment
$3,341.82
Total / mo
$3,342
- Principal & Interest$2,626.82
- Taxes$412.50
- Insurance$100.00
- Mortgage Insurance$202.50
*Estimates only. Figures are for educational purposes and do not constitute a loan offer or tax advice. Contact Flexx Mortgage for an official quote.
Free Guide: How to Qualify Without Tax Returns
A step-by-step playbook for self-employed borrowers and investors.
The Flexx Difference
Traditional Mortgage Underwrites the Past.Flexx Underwrites the Full Picture.
For over a decade, we've helped hardworking borrowers — the entrepreneurs, the investors, the self-made — secure financing when conventional lenders wouldn't even take the call.
We're not gimmicky. We're not pushy. We're strategic, transparent, and relentless about finding a path forward when others say no.
Client Stories
Trusted by Borrowers Banks Said No To
"After two banks turned us down, Flexx structured a bank statement loan that closed in under three weeks. Genuinely saved the deal."
Carlos M.
Restaurant Owner • Miami
"I have eight rental properties. Their DSCR program let me scale without the personal income headaches. Communication was incredible."
Rachel T.
Real Estate Investor
"They actually understood my 1099 income instead of making me feel like a problem. Smooth process from day one."
Devin S.
Independent Consultant
"Flexx made refinancing two investment condos in Brickell painless. Fast, responsive, and zero surprises at closing."
Sofia R.
Investor • Brickell
FAQ
Answers, Without the Jargon
Contact
Get in Touch
Talk directly with a loan specialist. No call centers, no runaround.
Phone
(917) 536-8709
info@flexxmortgage.com
Office
800 Brickell Ave, Suite 437, Miami, FL 33137
Hours
Mon–Fri 9am–7pm ET Sat by appointment