Lower monthly payments now, with a Non-QM loan built around your cash flow.
An interest-only structure keeps your required monthly payment lower during the initial period - a fit for high-income professionals, investors, and asset-rich borrowers who'd rather put cash to work than tie it up in extra principal payments.
- Lower Initial Payment
- Pairs With Other Non-QM Docs
- Purchase, Refi & Cash-Out
- Fixed or Adjustable Structures
Get a Free Rate Quote
A local loan officer replies directly - usually within one business day.
Thanks - you're all set.
A Coltrain loan officer will personally reach out shortly. Have a question right now? Call (631) 851-4420.
What an interest-only structure actually buys you
Lower initial payment
Pay only the interest due each month during the interest-only period, instead of principal and interest.
Keep cash working elsewhere
Investors and business owners often prefer to deploy cash into their business or portfolio rather than extra principal paydown.
Pairs with Non-QM documentation
Combine an interest-only structure with bank statement, DSCR, or asset depletion income documentation.
Purchase, refi & cash-out
Available whether you're buying, refinancing, or pulling cash out of an existing property.
Not sure if interest-only is the right fit?
Who uses an interest-only structure
High-Income Professionals
Variable, bonus-heavy, or commission income that makes lower fixed monthly obligations attractive.
Real Estate Investors
Maximize monthly cash flow on a rental or investment property, often paired with a DSCR loan.
Asset-Rich Borrowers
Significant liquid assets or investment accounts, with less need to force extra equity paydown right away.
From application to closing
Tell us your situation
We review your income, goals, and how interest-only fits your cash flow.
Match a documentation type
Pair the interest-only structure with bank statement, DSCR, asset depletion, or another Non-QM program.
Get pre-qualified
A clear answer on your rate, payment, and interest-only period.
Close on your terms
Purchase, refinance, or cash-out - close with the payment structure that fits.
A lower required payment isn't a compromise - it's a strategy.
For borrowers with strong income or significant assets, an interest-only period frees up cash flow now while still leaving the option to pay down principal whenever it makes sense. It's a deliberate structure, not a shortcut.
Interest-only loan questions, answered
What is an interest-only Non-QM loan?+
An interest-only loan lets you pay only the interest due each month for an initial period, rather than principal and interest. That keeps the required monthly payment lower during that period, which can suit borrowers who want payment flexibility or plan to redirect cash flow elsewhere.
Who qualifies for an interest-only loan?+
Interest-only options are typically used by higher-income professionals, real estate investors, and asset-rich borrowers who want lower required payments now. Because it's a Non-QM structure, qualification can often be paired with bank statement, DSCR, or asset depletion income documentation.
Does an interest-only loan mean I never pay principal?+
No. Interest-only applies to an initial period defined by the loan terms. After that period, payments typically adjust to include principal so the loan amortizes over the remaining term - or you can pay down principal voluntarily at any time.
Can I pair interest-only payments with a bank statement or DSCR loan?+
Yes, in many cases. Interest-only is a payment structure, while bank statement, DSCR, and asset depletion are income documentation types - a Coltrain loan officer can often combine an interest-only structure with the Non-QM documentation type that fits your situation. See every Non-QM program →
More Non-QM programs
Ready to see your interest-only options?
No pressure, no obligation - just a clear answer from a local loan officer.