A Local Non-QM Lender, Not a National Call Center
Most of the names that show up when you search for an Arizona non-QM loan are national shops with no one on the ground. Jason relocated from Hawaii to Gilbert, Arizona, and works this market in person — Phoenix, Scottsdale, Gilbert, Mesa, Chandler, and Tucson included. As a direct, in-house non-QM lender, MBANC underwrites and funds every file on one team, and Arizona is a full-eligibility state, so primary residence, second home, and investment property financing are all on the table, not just DSCR-only lending.
The non-QM programs Arizona borrowers ask for most.
Every program below is available to Arizona primary residence, second home, and investment property borrowers — matched to your actual income and goals.
Arizona DSCR Loans
Qualify a Phoenix-metro or statewide investment property — including short-term rentals — on its own rental cash flow. No pay stubs, tax returns, or personal income documentation required. See full DSCR program details.
See if this fits →Arizona Bank Statement Loans
Arizona's large self-employed and small-business population qualifies using 12 or 24 months of personal or business bank statements instead of tax returns. Both gross and net qualifying income are shown before you move forward. See full bank statement details.
See if this fits →Arizona 1099 Loans
Built for Arizona's independent contractors and gig workers whose income doesn't show up on a standard W-2. See full 1099 program details.
See if this fits →Arizona Asset Utilization Loans
A common fit for retirees and relocating buyers who are asset-rich but don't show high income on paper — converts liquid assets, investments, and retirement accounts into qualifying income. See full asset utilization details.
See if this fits →Arizona Foreign National Loans
For non-U.S. citizens buying Arizona investment or second-home property, using a passport and asset documentation instead of U.S. credit history. See full foreign national details.
See if this fits →Arizona ITIN Loans
Qualify for a primary or second home in Arizona using an Individual Taxpayer Identification Number instead of a Social Security number. See full ITIN program details.
See if this fits →Some programs carry state-specific overlays that can change over time — share your scenario and Jason will confirm the exact current terms for your file.
Statewide, with real Phoenix-metro roots.
A closer look at the Arizona markets driving the most non-QM and DSCR demand.
Gilbert
Home base — Jason lives and works here, with direct, local availability for buyers and real estate partners.
Phoenix
Arizona's largest market for both self-employed borrowers and long-term rental investment property.
Scottsdale
Frequent DSCR demand from short-term rental and luxury investment property buyers.
Mesa
A growing base of 1099 contractors and small-business owners using bank statement financing.
Chandler
Relocating tech and self-employed professionals frequently turn to bank statement and asset utilization programs.
Tucson
Steady investment property and second-home demand suited to DSCR financing.
Arizona-specific questions, answered directly.
Does Jason Rod actually live in Arizona?+
Yes. After 50 years in Hawaii, Jason relocated to Gilbert, Arizona, and works with borrowers across the Phoenix metro and statewide in person and by phone, not from a national call center.
Is MBANC fully licensed to lend in Arizona?+
Yes. Arizona is a full-eligibility state for MBANC, meaning primary residence, second home, and investment property financing are all available, not just investment-only DSCR lending.
What non-QM programs are most common for Arizona borrowers?+
DSCR loans for Phoenix-metro investment and short-term rental properties, bank statement loans for Arizona's large self-employed population, and asset utilization loans for asset-rich retirees and relocating buyers are the most frequent fits.
Are there Arizona-specific rules or overlays on non-QM loans?+
Some programs carry state-specific overlays that can change over time. Share your scenario and Jason will confirm the exact current terms that apply to your file before you move forward.
Can I get a DSCR loan on a Scottsdale or Phoenix short-term rental?+
Often, yes. DSCR loans qualify based on the property's rental income rather than personal income, which is a common fit for Arizona's active short-term and long-term rental investment market.
I just relocated to Arizona and I'm self-employed. Can I still qualify?+
Often, yes. Bank statement and asset utilization programs are built for exactly this situation, using your actual cash flow or liquid assets instead of a long W-2 history in your new state.
Ready to find out what you qualify for in Arizona?
Full doc, bank statement, 1099, DSCR, asset utilization, ITIN, foreign national, and 2nd mortgage programs matched to how you actually earn and invest.
Get Pre-Qualified →