$525,000
Median Home Price
$445,000
Avg. Loan Amount
55K
Population
7+
Licensed Lenders
Key Coeur d'Alene Neighborhoods
Explore popular neighborhoods and their median home prices. Click on map markers for details.
Map Legend
Lakefront
$1.2MPremium waterfront
Hayden
$475KGrowing suburb
Post Falls
$395KAffordable alternative
Coeur d'Alene Real Estate Market
Why Non-QM loans are popular in Coeur d'Alene
Growing demand for flexible mortgage solutions in Coeur d'Alene
Self-employed professionals benefit from bank statement loan programs
Real estate investors use DSCR loans for rental property financing
Non-QM loans available for borrowers with recent credit events
Frequently Asked Questions
Common questions about Non-QM loans in Coeur d'Alene
What is the minimum credit score for Non-QM loans in Coeur d'Alene?
Most Non-QM lenders serving Coeur d'Alene require a minimum credit score of 620-660, though some programs accept scores as low as 580 with compensating factors like larger down payments.
Can I get a bank statement loan in Coeur d'Alene, Idaho?
Yes, bank statement loans are available in Coeur d'Alene. Self-employed borrowers can qualify using 12 or 24 months of personal or business bank statements instead of tax returns.
What are DSCR loan requirements in Coeur d'Alene?
DSCR loans in Coeur d'Alene typically require a debt service coverage ratio of 1.0 or higher, meaning the property's rental income must cover the mortgage payment. No personal income verification is needed.
How much can I borrow with a Non-QM loan in Coeur d'Alene?
Non-QM loan amounts in Coeur d'Alene typically range from $100,000 to $3 million or more. With a median home price of $525,000, many borrowers find Non-QM loans essential for their purchase.
What Non-QM programs are most popular in Coeur d'Alene?
The most popular Non-QM programs in Coeur d'Alene include bank statement loans for self-employed borrowers, DSCR loans for real estate investors, and asset depletion loans for high-net-worth individuals.