NonQM123 · Direct Online LenderCompany NMLS #3252Call 833-NonQM123

Real pricing. Real programs. Real funding.

Real DSCR Rates.5.875% Rate|6.205% APRPurchase · Cash-Out · Rate & TermReal DSCR Rates — 5.875% Rate | 6.205% APR

Pricing as ofSeptember 4, 2026 · 8:00 AM PTSubject to change until locked

These aren’t calculator rates or made-up examples. The rates below represent real DSCR loan pricing available through NonQM123 for qualifying investment-property transactions. If your loan fits the published scenario and applicable program requirements, this is real pricing we can lend on.

Not calculator rates or made-up examples—real DSCR pricing from actual NonQM123 programs for qualifying investment-property transactions.

Direct Online Lender Actual DSCR Programs Subject to Qualification Company NMLS #3252
Property professionals reviewing documents outside a rental property
Real Rental-Property DecisionsReview the property, then choose the financing path.

Real DSCR Program Comparison

Three paths. Your rental property.

Tap an option to compare the current rate, APR, leverage, and payment—without opening a spreadsheet.
Pricing as ofSeptember 4, 2026 · 8:00 AM PTAll three scenarios
Investor touring a modern rental property with a real estate professional
PurchaseTour the rental before choosing the structure.
Real purchase pricing Purchase

Buy with Higher Leverage.

Available for qualifying purchase transactions matching this scenario.

INTEREST RATE6.375%
APR6.714%
LOAN$360,000
LTV80%
DSCR1.00x
EST. PRINCIPAL & INTEREST $2,245.93/mo Principal and interest only; taxes, insurance, and HOA are not included.
Check If My Deal Qualifies
View costs & assumptions
PROGRAM
30-Year Fixed Purchase (SFR)
PROPERTY VALUE
$450,000
POINTS
2.5 · $9,000
FICO SCORE
760
PREPAYMENT PENALTY
5 Years
UNDERWRITING$1,795PROCESSING$995ADMIN$487
THIRD-PARTY COSTS SHOWN
Not included · varies
ESTIMATED CHARGES SHOWN
$12,277
Property professionals reviewing a rental property improvement project
Cash OutReview the property and its improvement potential.
Real cash-out pricing Cash-Out

Access more rental equity.

Available for qualifying cash-out transactions matching this scenario.

INTEREST RATE6.500%
APR6.930%
LOAN$337,500
LTV75%
DSCR1.00x
EST. PRINCIPAL & INTEREST $2,133.23/mo Principal and interest only; taxes, insurance, and HOA are not included.
Price My Cash-Out Loan
View costs & assumptions
PROGRAM
30-Year Fixed Cash-Out (SFR)
PROPERTY VALUE
$450,000
POINTS
2.625 · $8,859
FICO SCORE
760
PREPAYMENT PENALTY
5 Years
UNDERWRITING$1,795PROCESSING$995ADMIN$487
THIRD-PARTY COSTS SHOWN
Not included · varies
ESTIMATED CHARGES SHOWN
$12,136
Investor reviewing financing documents beside a laptop
Rate TermReview the financing before changing the loan.
Real refinance pricing Rate & Term

Improve rate or payment.

Available for qualifying rate-and-term transactions matching this scenario.

INTEREST RATE5.875%
APR6.205%
LOAN$375,000
LTV50%
DSCR1.25x
EST. PRINCIPAL & INTEREST $2,218.27/mo Principal and interest only; taxes, insurance, and HOA are not included.
Price My Refinance
View costs & assumptions
PROGRAM
30-Year Fixed Rate & Term (SFR)
PROPERTY VALUE
$700,000
POINTS
2.5 · $9,375
FICO SCORE
760
PREPAYMENT PENALTY
5 Years
UNDERWRITING$1,795PROCESSING$995ADMIN$487
THIRD-PARTY COSTS SHOWN
Not included · varies
ESTIMATED CHARGES SHOWN
$12,652
If your deal fits the box, we can fund it.These aren’t teaser rates. They’re real lending scenarios tied to actual DSCR programs—available when the transaction meets the applicable credit, property, leverage, DSCR, pricing, underwriting, and eligibility requirements.
Build Your Custom DSCR Option

Actual program pricing is available only for qualifying transactions that match the displayed scenario and applicable program requirements. Rates, APR, points, payments, and terms may change based on credit, property, loan amount, LTV, DSCR, purpose, fees, prepayment terms, and pricing date. Rates and programs may change without notice; no rate is locked or guaranteed unless confirmed in writing by NonQM123. Subject to application, verification, appraisal, underwriting, program eligibility, and approval. Not a commitment to lend.

†Rate and APR assumption: Single-family investment-property R&T Refinance; 760 FICO score; 50% LTV; $375,000 loan amount; 1.25x DSCR; five-year prepayment penalty; monthly payment includes escrows; lender fees include 2.375% origination, $1,795 underwriting, $995 processing, and $487 administration; title and escrow charges are additional.

Call NonQM123   833-NonQM123