The right valuation
for every
Non-QM scenario
From instant AVMs to hybrid and full traditional appraisals — match the right valuation product to every Non-QM loan scenario and close faster with confidence.
Match the valuation product to the loan risk, program, and LTV — all in one platform.
Non-QM lending requires flexibility. Different loan programs, investor guidelines, and property types call for different valuation approaches. Reggora's Non-QM valuation suite gives you eight purpose-built products so you can match the right level of due diligence to every scenario — without sacrificing speed or compliance.
Non-QM Valuation Product Suite
Eight purpose-built valuation products
Choose the right balance of speed, cost, and risk coverage for every loan in your pipeline.
Estimated Value / AVM
Instant automated valuation model pull for quick property estimates.
What it is
A computer-generated value derived from aggregated public records, MLS data, and proprietary analytics. Multiple AVM sources are pulled and a blended estimate is returned in seconds along with a confidence score.
Non-QM use cases
- Pre-qualification and early loan sizing
- Portfolio monitoring or re-scoring on Non-QM pools
- Lowest-risk, lowest-LTV scenarios where no inspection is required
Key features
- Instant delivery — results in seconds
- Multiple AVM sources aggregated
- Confidence score included
Virtual Inspection + AVM (Borrower Led)
Borrower-guided virtual inspection paired with aggregated AVM analytics.
What it is
A fast, cost-effective product where the borrower uses a guided mobile app to capture photos and video of the property. Captured data is paired with AVM analytics to produce a value. Built-in quality control ensures captures are complete and usable.
Non-QM use cases
- Non-QM purchase/refi where borrower engagement is easy and property access is fast
- Investor files where speed matters more than a full appraisal
- Lower LTV DSCR or bank-statement loans
Key features
- Borrower-guided photo capture
- Built-in quality control & completeness checks
- Rapid turnaround
Exterior Inspection + AVM
Professional drive-by exterior inspection combined with AVM analytics.
What it is
A licensed third-party inspector visits the subject property and documents exterior condition, occupancy, and any visible concerns. Their observations are paired with aggregated AVM analytics to produce a reconciled value.
Non-QM use cases
- Non-QM files where interior access is impractical (tenanted investor properties)
- DSCR and non-owner-occupied where exterior condition is the priority
- Rescore or post-funding review scenarios
Key features
- Professional exterior inspection
- Observed condition & occupancy indicators
- Quality control review
Interior Inspection + AVM
Full on-site interior + exterior inspection combined with AVM analytics.
What it is
A licensed inspector conducts a full interior and exterior walkthrough, capturing detailed photos, condition notes, and a quality/functional utility assessment. The data is reconciled against AVM analytics to produce a final value.
Non-QM use cases
- Non-QM loans where investor guidelines allow inspection-based value
- Properties with condition uncertainty but straightforward comparables
- Non-QM rehab or value-add investor purchases
Key features
- Full interior photo documentation
- Condition & quality assessment
- Quality control review
Virtual Inspection + Desktop Appraisal (Appraiser Led)
Appraiser-directed virtual inspection plus a licensed desktop appraisal.
What it is
A licensed appraiser directs a real-time virtual inspection of the property and then completes an independent desktop appraisal with their own opinion of value. The report is fully USPAP-compliant.
Non-QM use cases
- Non-QM files needing an appraiser's opinion with accelerated turnaround
- Foreign national or self-employed purchases with tight timelines
- Properties where remote inspection is feasible and documented
Key features
- Licensed appraiser opinion of value
- Independent appraiser reconciliation
- USPAP-compliant desktop appraisal
Exterior Inspection + Desktop Appraisal
Professional exterior inspection plus a licensed desktop appraisal report.
What it is
A licensed inspector performs an exterior inspection and a licensed appraiser independently completes a desktop appraisal, reconciling the inspection data with market analysis. A USPAP-compliant report is produced.
Non-QM use cases
- Non-QM investor and DSCR loans where interior access is difficult
- Programs that require an appraiser's opinion but tolerate exterior-only inspection
- Tenanted multifamily under non-owner occupied programs
Key features
- Professional exterior inspection
- Licensed appraiser opinion of value
- USPAP-compliant desktop appraisal report
Hybrid Appraisal
On-site data collection plus an independent licensed appraiser reconciliation.
What it is
A trained property data collector conducts a full on-site interior and exterior inspection. A licensed appraiser independently reconciles the collected data with comparable sales and market research and issues a USPAP-compliant opinion of value.
Non-QM use cases
- Non-QM programs that accept hybrid reports (1004 Hybrid, 1073 Hybrid)
- Markets with appraiser capacity constraints
- Large Non-QM funnels where turn time and cost matter
Key features
- Full on-site property data collection
- Independent reconciliation of inspection & market data
- USPAP-compliant appraisal report
Traditional Appraisal
Full field appraisal by a state-licensed or certified appraiser.
What it is
A state-licensed or certified appraiser conducts a full interior and exterior inspection and produces a complete, fully developed USPAP-compliant report with an independent opinion of value. The most widely accepted valuation product across all loan programs.
Non-QM use cases
- Higher-LTV or higher-risk Non-QM files
- Jumbo Non-QM, complex properties, unique comparables
- Investor or secondary market requirements mandating a full 1004 / 1073 / 1025
Key features
- Licensed/certified appraiser conducts full interior & exterior inspection
- Independent opinion of value with full market analysis
- USPAP-compliant appraisal report
Why Reggora for Non-QM
Built for the diverse Non-QM landscape
Speed without sacrificing rigor
From instant AVM pulls to 24-hour hybrid appraisals, deliver the right level of valuation rigor in the shortest possible time.
USPAP-compliant where required
Every product that requires it produces a fully USPAP-compliant report with independent appraiser reconciliation — including hybrid, desktop, and traditional appraisals.
Nationwide coverage
Coverage in all 50 states with transparent, market-aware pricing — including multi-zone pricing for CA, CO, MI, NH, and WA.
One platform for every product
Order, manage, track, and reconcile every valuation product through a single platform integrated with your LOS — no juggling vendors.
Ready to streamline your Non-QM valuations?
See how Reggora helps Non-QM lenders match the right valuation product to every loan.