DSCR Calculator
Income
Loan Details
Monthly Loan Payment
Debt Service Coverage Ratio
What's New at NonQM123:
🚨 DSCR Closed-End 2nd Now Available!
Get Up to 80% CLTV with 720+ Fico
Qualify Using Just Rental Income! No W-2's, No Tax Returns!
"Debt Service Coverage Ratio (DSCR) Loans:
Made Easy for Real Estate Investors - Fast, Flexible Funding.
💰 No Income Verification Required
⚡Fast Approvals – Close in 2 Weeks
✅Simple Process - No Red Tape
🚀Direct Lender = Skip the Broker Fees
📞 Call Now & Save Big with NonQM123!
💼 Trusted by 1,000+ Real Estate Investors Nationwide💰 Over $226M Funded in the Last 12 Months
Use Rental Income to Qualify - No Tax Returns!
Get Approved with Just a 620+ Fico
Cash Out Refinance Up to 80% LTV - LLC or Corp
Purchase or Refinance (R/T or Cash Out) - All OK
High LTV Purchase - Up to 85% Loan to Value
First-Time Investors Welcome
Airbnb, VBRO, and Short-term Rentals - OK
Fund Into Corporation or LLC, OK
No Pre-Pay Penalty Options Available
1-10 Units Properties, OK
No Ratio DSCR Options with 25% Equity
Low DSCR Interest Rates, Yes!
In-House Underwriting & Processing = Faster
Loan Amounts from $150K to $5.5M
🔥 Limited-Time Offer – 30-Year DSCR Mortgage:
✅ 6.25% Rate / 6.633% APR*
📉 Lock in Your Rate Before It’s Gone — Rates Update Daily!
🔊 Speak to a DSCR Loan Expert Now for a Free, No-Obligation Quote!
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Ready to Start Your DSCR Loan Quote Now,
Fast, No-Doc Investor Approval.
Secure your rate in minutes!
Unlimited Financed Properties
Real estate investors find it so simple to Buy or Refinance with NonQM123.
We make it Simple. We do the Loans Banks Don't.
Fast Closings
Yes, we close fast!
2 Months Reserves Required for Purchase Loans < $1,500,000 Loan amounts with
< 70% LTV.
We like to Say,
"We Make it Simple!"
Never Show Your Tax Return
NonQM123 can careless about your tax returns. All we care about is the rental income covering the debt service. If you have more than 25% equity in the home, then we don't care about rental income covering the debt.
The loan(s) discussed on this webpage are for Debt Service Coverage Ratio (aka DSCR) loans only. DSCR loans are only for non-owner-occupied properties, that generate income, also considered as a Business Purpose loan. Therefore, this is not a consumer direct home loan. FFC Mortgage Corp dba NonQM123, can offer DSCR loans in the following States: AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, ME, MD, MN, MO, MS, NC, NJ, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY, and is subject to change.
*Pricing Quote: 30 Year Fixed: $1,000,000 Purchase Price, 70% Loan To Value, Investment Property (SFR), Business Purpose Only, FICO score of 760+, DSCR Ratio: 1.250 Minimum, 5 Year PPP* (Pre-payment penalty), RESERVES REQUIRED, Impounds Required. Cost: Discount Cost for Rate – 3.375% of loan amount, Origination Fee: 0.00% of Loan amount, Plus Title & Escrow, and House Fees: Underwriting, Processing and Admin Fee: $2790.00. Rates are subject to Change without Notice.
Pricing Quote as of 06/17/2025 @ 12:17PM