With 21 years of experience and 5,800+ families helped, I specialize in NON-QM financing for self-employed investors and entrepreneurs. Qualify with bank statements, rental income, or assets — not just tax returns.
Every program below was designed for borrowers who build real wealth — just not on a W-2.
Qualify using 12 or 24 months of personal or business bank statements. No tax returns. No W-2s. Built for business owners, freelancers, and entrepreneurs with strong cash flow.
Qualify purely on the property's rental income — not your personal income. No W-2, no tax returns, no personal income documentation of any kind. Scale your portfolio without limits.
Use a CPA-prepared Profit & Loss statement or 1099 income records to qualify. Ideal for contractors, gig workers, and owners whose tax returns don't reflect real income.
Convert liquid assets — savings, investments, retirement accounts — into qualifying income. Ideal for retirees and high-net-worth individuals with wealth but limited monthly cash flow.
No U.S. Social Security number required. Finance U.S. investment properties using your ITIN or foreign credit profile. Bilingual support available in all 8 states.
Finance high-value investment properties far above conforming limits. Combine non-traditional income documentation with jumbo loan amounts for luxury and multi-unit properties.
Tell us about your property, income type, and investment goals. Takes under 5 minutes.
Our NON-QM specialists review your file and match you to the right program within 48 hours.
Provide bank statements, rent rolls, or assets. Our team guides you every step of the way.
Purchases close in 10 days. Refinances close in 14 days. No surprises, no last-minute guideline changes.
Hi, I'm Rodrigo. In over 21 years in the mortgage industry, I've helped more than 5,800 families achieve the best home financing for their specific goals. As the #1 NON-QM Lender in the Nation and Originating Branch Manager at CrossCountry Mortgage — America's #1 Retail Mortgage Lender — I specialize in creative financing for self-employed investors, entrepreneurs, and real estate professionals who don't fit the conventional mold.
I learned early in my career to listen first. Before recommending a loan, I want to understand your goals, your business, and your investment strategy — then build the financing around you. If you want 24-hour dedication, attention to detail, a smooth loan process, and a commitment to closing on time, let's talk.
Traditional lenders turn away qualified borrowers every day. We specialize in saying yes to the people they won't touch.
Your write-offs lower taxable income — we look at real cash flow instead.
Scale your portfolio with DSCR loans — no income docs, no property limits.
Gig workers, consultants, and 1099 earners with strong income but no W-2.
International investors and U.S. residents without a Social Security number.
Retirees and investors with significant liquid assets but limited monthly income.
Alternative docs accepted — pick the path that fits your situation.
Rodrigo Ballon (NMLS #272011) is personally licensed to originate loans in 13 states. CrossCountry Mortgage (NMLS #3029) is licensed in all 50 states — loans outside my licensed states are referred to qualified CCM loan officers.
Real reviews from Rodrigo's clients on Google Reviews & Experience.com. See all reviews on Experience.com ↗
I was 18 days into escrow on my dream home in San Diego when my conventional lender pulled my approval — said my write-offs were too high. I found Rodrigo on a Thursday. He had me approved on a bank statement program by Friday, and we closed in 9 days. My seller was ready to cancel and Rodrigo literally saved this deal.
We were 3 weeks into escrow in Las Vegas when our bank denied us 10 days before closing — they couldn't handle the rental income from our other properties. Rodrigo qualified us on DSCR in 48 hours, and we closed in 11 days. No tax returns, no drama. I still can't believe how fast he moved.
My accountant does a great job — which means my tax returns show almost no income. Two lenders rejected me before closing even started. I called Rodrigo, sent 12 months of bank statements, and got a full approval in 24 hours. We closed our Breckenridge vacation home in 10 days. He understood my situation immediately when no one else did.
I had strong cash flow and solid savings — but my tax write-offs made the conventional bank say no. NON-QM changed everything. Finally approved and closed on my investment property without handing over a single tax return.
Incredibly knowledgeable, responsive, and consistently goes above and beyond. No matter how busy things get, they're always quick with answers and clear guidance. This is the lending team you want in your corner.
Our Park City condo purchase was falling apart. We were 21 days in, our rate lock had expired, and our lender couldn't figure out the HOA rental pool situation. Rodrigo took the file on a Monday, explained exactly why it's a non-warrantable condo, got us approved with a NON-QM program, and we closed the following Friday. 11 days. Absolute miracle worker.
In-depth guides on NON-QM financing, DSCR loans, and creative mortgage solutions — written by Rodrigo Ballon, #1 NON-QM Lender in the Nation.
Discover how NON-QM loans bypass W-2 requirements and open doors for self-employed borrowers, business owners, and entrepreneurs.
Learn how Debt Service Coverage Ratio loans let real estate investors qualify based on rental income alone — no personal income docs needed.
A deep-dive into California bank statement loans — who qualifies, what documents are needed, and how to get approved without tax returns.
Yes — and here's exactly how. Explore every loan path available to investors and self-employed borrowers who don't have traditional W-2 income.
A clear, honest comparison of NON-QM and conventional loans — costs, qualifications, timelines, and which borrower each one serves best.
Business owners face unique mortgage challenges. Here's a step-by-step roadmap to getting approved even with heavy write-offs and variable income.
No Social Security number? No problem. Learn how ITIN loans make U.S. real estate investment accessible to international buyers and non-residents.
Avoid these costly mistakes before you apply. From over-claiming deductions to choosing the wrong loan type — here's what to watch out for.
State-by-state breakdown of DSCR loan requirements, rental markets, and investment opportunities across Rodrigo's 12 licensed states.
Una guía completa en español sobre los préstamos NON-QM — perfecta para trabajadores independientes, empresarios e inversionistas hispanohablantes.
Eight tools to model your NON-QM scenario. Estimates only — contact Rodrigo for your exact numbers.
Fill out the form below and a NON-QM specialist will contact you within 24 hours. No commitment. No credit pull.