Investment Property and Non-QM Loans Without Traditional Bank Guidelines
Tax returns that understate what you really earn. A rental that cash-flows but does not fit bank guidelines. A closing date that will not wait. Evoque Lending has helped investors and self-employed borrowers solve exactly these problems since 2005, with investment property financing available in more than 40 states.
- Founded 2005
- Nearly three decades of lending experience
- Investment property financing in more than 40 states
- Relationships. Expertise. Results.
Financing that fits how investors actually earn
While traditional banks and lenders may require extensive income documentation and tax returns, Evoque Lending can evaluate eligible investment properties, businesses, and real estate portfolios using factors such as rental income, property cash flow, and equity.
DSCR Loans
Qualify based on the property's rental income instead of your personal tax returns. Built for buy-and-hold investors, purchases, refinances, and cash-out.
Learn more →Bank Statement Loans
Self-employed or business-owner income that tax returns understate? Document your income with business or personal bank statements instead.
Learn more →All Non-QM Programs
Asset-based qualification, 1099 income, foreign nationals, and more; a full menu of alternative income documentation programs beyond bank guidelines.
Learn more →How it works
Tell us about your deal
Share the property, your goals, and how you prefer to document income in a short questionnaire.
Get matched to programs
We review your scenario against our investor and alternative-documentation programs.
Review your options
An experienced lending professional walks through what fits your scenario and what to expect, in plain English.
Move to closing
We coordinate the details with you and your team through funding.
Why investors work with Evoque Lending
Nearly three decades of experience
Eddie Luhrassebi has more than 29 years in private, bridge, DSCR, Non-QM, and investor lending, and Evoque Lending has served investors since 2005.
We start with your situation
Write-off-heavy returns, an LLC that holds your rentals, a short-term rental, a tight closing: we structure around real scenarios like these every week.
Programs built for investors
DSCR loans, bank statement mortgages, asset-based qualification, and other alternative income documentation options under one roof.
Coverage where you invest
Investment property financing available in more than 40 states, with full licensing details on every page of this site.
Run your numbers first
Estimate a property’s debt-service coverage with our DSCR calculator, then bring your results straight into a conversation with our team.
From the Learning Center
Browse all articles →How to Use Airbnb & Short-Term Rental Income to Qualify for Financing
Airbnb and other short-term rental income can qualify you for investment property financing through DSCR programs, documented with a year of host statements or a market STR analysis. What underwriters count, how seasonality is averaged, and the local rules to check first.
Read the article →LLC vs. Personal Name: How Should You Hold Your Rental Property?
Conventional mortgages generally require title in your personal name, while DSCR loans welcome LLC, corporation, and LP vesting with a personal guaranty. How each choice affects financing, liability, taxes, and closing day.
Read the article →Self-Managing vs. Hiring a Short-Term Rental Property Manager
Self-managing keeps the margin; a manager keeps your evenings. The workload, the economics, the middle paths, and how the choice shows up in a loan file.
Read the article →Ready to see what your scenario qualifies for?
Since 2005, investors have brought us the scenarios that don't fit inside conventional guidelines. Start with a few quick questions.
Ready for the full questionnaire? Check My Loan Options. Still evaluating a property or an unusual scenario? Request a Deal Review.