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What is a non-qualified mortgage Loan?

Alternative financing that accommodates borrowers who don’t fit traditional mortgage guidelines through flexible underwriting.

Also referred to as non-qm loans, Non-Qualified Mortgages are loan options that do not hold the past against you when borrowing. Bad credit from foreclosures, late payments or filing for bankruptcy can void lending options via qualified loans. However, Non-qualified mortgage borrowing looks less at credit history and more at an individual’s ability to pay back a loan. For example, a borrower’s income, type of employment, and current cash flows.

Qualified Property Types for non-qualified mortgage Loans

Review the property types eligible for financing under this loan program.

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Commercial Properties

Apartment Complexes

Retail Properties

Warehouses and Industrial Plants

Single-Family and Multi-Family Homes*

Construction projects

Townhouses and Condos*

*This provision does not apply to homesteaded primary residences.

For a full list of non-qualified mortgage Loan property types or for additional information, please contact us online or call 1 (954) 947-1232.

Loan benefits with Community capital

Built to support broker success 

Looking for private funding for your next investment property? Community Capital offers commercial real estate loans throughout Florida to help future investors get the funding they need to purchase or renovate an investment property. Our team of professional hard money lenders will work to provide the best hard money loan options for your investment project.

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Fast & Reliable Funding
variety of loan options
Quick Decisions &
Competitive Rates
Local and Experienced staff
Loan terms

A quick overview of the key terms designed to help you move forward with confidence.

Up to 24 months
Interest only
Rates change daily
60% maximum LTV
1st mortgage position
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How Our Loan Application Process Works

In real estate timing is everything and we’re here to help you act quickly.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

get funded
A Non-QM loan is a mortgage that doesn’t meet the standard guidelines set by conventional lenders — such as Fannie Mae or Freddie Mac. They’re designed for borrowers with non-traditional income, past credit events, or investment property structures that don’t fit inside a bank’s box.
Yes. Non-QM loans exist specifically for situations where past credit events — such as a bankruptcy, foreclosure, or irregular income — would disqualify a borrower from conventional financing. We evaluate the deal and the borrower’s current situation, not just their credit history.
Significantly faster and more flexible. Our in-house underwriting team evaluates each file directly, issues credit decisions within 24 hours, and doesn’t require the documentation volume or wait times that conventional lenders do.
Self-employed borrowers, real estate investors, foreign nationals, borrowers with past bankruptcies or foreclosures, and anyone whose income or property doesn’t qualify under conventional mortgage guidelines.
We offer Non-QM loans for a range of investment property types throughout Florida. Contact our team with your specific property and situation and we’ll outline your options.
As a general guideline, we typically work with loan amounts starting at $400,000, with a maximum loan-to-value (LTV) of 60% and a maximum loan-to-cost (LTC) of 60%. Loan terms typically run 12–24 months. These are marketing benchmarks, not strict cutoffs — we evaluate every deal on its own merits and may exceed these parameters for strong opportunities. Contact our team to discuss your specific project.
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