You are correct. It sounds like a NON QM loan will be best. You have a strong credit score! Depending on how you filed your bankruptcy you're waiting period may be over. was your bankruptcy Chapter 13 or chapter 7? Was it discharged December of 2015? Or was that when you filed for bankruptcy? Please reach out to me, Mike Gracz from the Gustan Cho Associates for more details. I am an expert in NON QM mortgage lending if you do not qualify for conventional or FHA! You can reach me on 630-659-7644 or email me at email@example.com.