(Lender rules) Six non-QM lenders · sources linked
Same deposits,
six answers.
Each non-QM lender turns bank statements into income its own way. DepositDesk applies the rules each lender publishes, labels the worksheet with the guideline date, and links the source. It isn't affiliated with any of them.
(01) Compared
The rules that move the number.
| Lender | Default expense | Letter minimum | Min. ownership | NSF tolerance (12 mo.) | As of |
|---|---|---|---|---|---|
| Angel Oak | 50%; 70% some industries | 15% | 25% | Not published | Oct 7, 2026 |
| Newfi | 50% | 10% | 25% (20% personal) | 3 if any in last 3 months, else 5 | Mar 3, 2026 |
| Acra | 50% (calculator) | No letter option | Applied to deposits | 6 returned checks; overdrafts don't count | Jan 2, 2025 |
| Deephaven | 50% | Expense statement allowed | 50% | Must be explained | Jan 19, 2023 |
| Verus | 50% | 10% | 25% (20% personal) | 3 if any in last 3 months, else 5 | Nov 11, 2024 |
| A&D | 50% | 10% | 25% | 3 if any in last 3 months, else 6 | Sep 24, 2026 |
From each lender's public documents; see each page for the exact wording and links. Rules change: confirm with the lender before you quote.
(02) Lenders
Pick a lender.
Angel Oak Mortgage SolutionsPublished guidelines as of Oct 7, 2026Newfi Wholesale (Rainier)Published guidelines as of Mar 3, 2026Acra LendingPublished guidelines as of Jan 2, 2025Deephaven MortgagePublished guidelines as of Jan 19, 2023Verus Mortgage CapitalPublished guidelines as of Nov 11, 2024A&D MortgagePublished guidelines as of Sep 24, 2026
(Next step)
Run a file with a lender's rules.
Choose the lender in the tool and the expense factor, ownership, NSF and 12/24-month rules follow. Your first file is free.