Can you get a Non QM loan for a loan under 100k?

[Jessica Piff]

Hi,

Brand new to this site and the Real Estate World. I want to get into REI through purchasing SFH rental properties. I have enough money to put 20% down on my first property that is $80K. I am self-employed and also work in the restaurant world, which gives me plenty of disposable income and cash flow, however, it cannot be verified for long term as I just started my business this year and I move around often changing restaurant jobs. I've discovered the Non QM loans and think that could work for me, but am unsure if I can get that loan for only $64,000. A follow up question I have is, would a local credit union still approve me for the loan if I showed bank statements for the last year showing my monthly cash flow income? I hope this isn't a stupid question, I've been looking at many different websites and reading tons of blogs and forums on this site and haven't found anything that answers my specific question about getting non QM loans. Thanks for your help!