Non-QM & In-House Portfolio Loans in Chattanooga, TN

Flexible Financing for Modern Borrowers

Breaking the Boundaries of Traditional Lending

Non-QM loans are designed for borrowers who may not meet the strict criteria of conventional or government-backed mortgage programs but have strong financial profiles in other ways. These products provide flexibility in documenting income, verifying assets, or qualifying through property cash flow instead of tax returns.



With Home Loans With Shelly, clients gain access to specialized portfolio products that are underwritten and serviced by in-house or partner lenders who understand complex borrower needs. Each program is tailored to match the borrower’s real financial picture — not just what appears on paper.

DSCR Loans (Debt Service Coverage Ratio)

Financing for Real Estate Investors

DSCR loans are ideal for property investors who want to qualify based on the cash flow of their rental properties rather than personal income. The loan approval is centered on how well the property’s rent covers the mortgage payment, taxes, and insurance.



Shelly works with Chattanooga investors purchasing or refinancing single-family rentals, multifamily units, or short-term rental properties, providing fast and efficient loan structures with minimal documentation requirements. DSCR loans allow investors to grow their portfolios without the constraints of traditional income verification.

Bank Statement Loans for Self-Employed Borrowers

Simplified Income Documentation

For entrepreneurs and self-employed individuals, tax returns often don’t reflect true earnings. Bank Statement Loans offer an alternative — using 12 to 24 months of personal or business bank statements to determine qualifying income.



Home Loans With Shelly specializes in helping small business owners and independent professionals in Chattanooga access these programs. With competitive rates and flexible terms, these loans allow self-employed borrowers to qualify based on their real cash flow rather than adjusted taxable income.

Investment Property & Land Loans

Building Wealth Through Real Estate

Investors seeking to expand their portfolios or finance raw land can benefit from investment property loans and land financing options through Shelly’s in-house portfolio programs.



Whether purchasing residential rentals, vacation homes, or unique investment parcels, these loans offer tailored terms and flexible structures. Land loans also support buyers purchasing lots for future construction or holding property as part of a long-term investment strategy in and around Chattanooga.

Foreign National & Non-Warrantable Condo Programs

Financing for Global and Specialty Buyers

For foreign nationals without U.S. citizenship or permanent residency, Home Loans With Shelly offers financing solutions that consider international income and asset documentation. Borrowers can purchase or refinance homes in Tennessee without requiring U.S. credit history.



In addition, Shelly provides access to non-warrantable condo loans — ideal for buyers investing in condominium properties that do not meet conventional Fannie Mae or Freddie Mac requirements. These programs open doors to unique properties that traditional lenders may decline, especially in resort or urban areas.

Profit & Loss, 1099 Income, and ITIN Loans

Tailored for Diverse Financial Profiles

Not every borrower has W-2 income, and traditional documentation doesn’t always capture the full financial picture. Profit & Loss Statement Loans and 1099 Income Loans provide alternative verification methods for freelancers, independent contractors, and small business owners.



Shelly also offers ITIN Loans (Individual Taxpayer Identification Number) to help non-citizen residents achieve homeownership in Chattanooga. These loans recognize valid, steady income even without a Social Security Number, offering a practical solution for buyers who meet other credit and financial qualifications.

Bridge Loans, Reverse Mortgages & Asset Utilization Loans

Creative Lending for Transitional and Retirement Needs

Bridge Loans provide short-term financing for homeowners who want to purchase a new property before selling their current one. This allows buyers to move quickly in Chattanooga’s competitive market without waiting for their existing sale to close.

Reverse Mortgages help homeowners aged 62 and older access their home’s equity as a steady income stream while remaining in their property — a popular solution for retirees seeking flexibility and security.

Asset Utilization Loans offer another powerful tool, allowing borrowers to qualify based on liquid assets such as savings, investments, or retirement funds rather than traditional employment income. This program is ideal for retirees, high-net-worth individuals, and investors managing diverse income streams.