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[BORROWER] Non-QM Cash-Out ReFi... Do they exist?
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mtothej_ is in BORROWER
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I'm not a loan originator so I apologize for intruding. I just couldn't think of anyone more qualified to answer this question than this Reddit.

I currently own a primary residence and investment property. The rental unit will be occupied in a few weeks after housing authority inspects the unit. I have $50K saved but my self-employed income dropped dramatically since 2020. I currently have no other income than that and the rental. But I'd like to get another rental property without ravaging my savings.

I've heard of non-QM home loans... and non-QM loans for investment properties... But are non-QM cash-out ReFi's possible? I've barely found any information about it.

What documentation would be asked of me if these existed and would the rate be outrageous?

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2 years ago