Non-QM Lending Guide
A field guide to how non-QM actually works when you're in the file, not the marketing deck.
Non-QM is anything that doesn't fit vanilla agency/prime guidelines but still makes sense on paper: self-employed borrowers, investors, complex income, and scenarios that need more nuance than AUS can give.
The key is structure: right lender, right program, right expectations. That's what the tools on WIRMS are trying to make faster.