Straight talk on mortgages from a loan officer who's done it for 10+ years.
Most mortgages qualify you based on your own income. Pay stubs, tax returns, a debt-to-income ratio calculated against your personal finances. That works fine for a primary residence. It works a lot less well when you're buying a rental property and your personal income has nothing to do with whether the deal actually makes sense.
If you've ever been told by a bank that you "don't qualify" — despite having money in the bank, a solid credit score, and the ability to comfortably afford the payment — there's a good chance a Non-QM mortgage is what you were missing.
Talk to Nate directly — no forms, no call centers, no runaround.