Complex income, alternative documentation, or non-traditional situation — there's a loan for you.
Austin's economy creates a unique class of non-QM borrowers — startup founders whose businesses are profitable but whose tax returns don't show it, equity-wealthy tech executives with deferred comp, workers on unique visa structures, and high-net-worth individuals who prefer to minimize taxable income. Non-QM loans in Austin are often about income flexibility, not credit quality. Many of my Austin non-QM clients have excellent credit and significant assets — they just need a lender who can document their real financial picture.
Austin tech founders should explore asset depletion programs as an alternative to bank statement loans. If you have significant liquid assets (investment accounts, crypto, retirement funds), an asset depletion program lets you qualify using those assets as income — without showing business income at all.
Austin non-QM approvals are the most creative file-building I do. For each Austin non-QM client, I identify the strongest qualifying scenario (asset depletion vs. bank statement vs. ITIN vs. 1099-only) and build the file around the scenario most likely to produce the best rate and approval.
Austin non-QM rates depend heavily on the program type. Asset depletion programs for high-net-worth buyers can offer rates close to conventional. Bank statement programs run 0.5–1.5% above conventional. ITIN programs and credit event programs carry higher premiums based on risk profile.
Yes. H-1B visa holders are considered non-permanent residents and can qualify for conventional, FHA, and some non-QM loans. The key requirements are valid work authorization, US credit history (at least 12 months typically), and income documentation. I work with Austin tech workers on H-1B visas regularly — it's a common situation at companies like Apple, Oracle, and Dell.
Crypto gains documented on your tax return (Schedule D or Form 8949) can be counted as income if they're consistent over two years. Sporadic large gains are harder to count. Some non-QM programs also accept crypto assets as reserves (at a discount). This is a rapidly evolving area — the specific answer depends on your crypto income history and the program.
Austin prices are high — but FHA with down payment assistance is still your fastest path to owning.
Learn More →Austin prices are high — VA with zero down and no PMI is how veterans stay in the game.
Learn More →From 3% down starter loans to move-up jumbo-adjacent financing — conventional covers Austin's range.
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