Direct to Investor Lending


Airbnb, VRBO or Condotel

The Smart Way to Finance Your Short-Term Rentals
Purchase. Refinance. Cash-Out.
Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income. High LTV and Interest-Only Options. Long-Term Fixed or ARM Rates. Fast Closing and Flexible Underwriting. Apply Now and Get a Quote Today!
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No Income Verification Required

DSCR Lending for Short-Term Rentals

Finance Your Airbnb, VRBO, Condotel Portfolio with a DSCR Mortgage Loan

Are you looking for a smart way to finance your real estate portfolio of short-term rentals such as Airbnb, VRBO or Condotel?

We specialize in DSCR financing, a type of financing that is based on the property’s income rather than the borrower’s income.

The NonQM123's DSCR loan is a type of Non-QM (non-qualified mortgage) financing that is designed for short-term rental investors who want to purchase, refinance, or cash-out loan that does not require income verification or tax returns from the borrower. The main qualification criterion is the property’s income potential and cash flow.

Main Benefits: DSCR lending offers many benefits, such as no limit on number of properties financed, flexible underwriting, fast approvals, faster closings, Very Competitive Rates and Terms, and higher LTV ratios. DSCR financing is ideal for self-employed business owners or investors who have many Tax Write-Offs and Minimal Net Income showing on their Tax Returns.

                Call Us Today to Chat Now or Fill out out “Get Quote Quick App.”


1-4 Units Airbnb, VRBO or Condotel Financing

Beyond the Numbers

Why to deal with a Direct Lender and Not a Broker, Simple!

  • Direct to investor lending:
    – Flexibility with in-house underwriting
    – Better deals without the Middle Man!!!
    – Faster Approvals
    – Faster Processing Quicker Fundings
  • No-limits on number of financed properties
  • No balloon payments
  • Low reserve requirements
  • Interest-Only (IO) option – available
  • Keep property under LLC – allowed
  • Foreign National Borrowers – allowed
  • First-time investors – allowed
  • Self-employed investors Are Welcome
  • Fast efficient Closings of 1031 exchanged Properties
  • Amazing Loan Product for Long Term Investors

 Call Us Today to Chat Now or Fill out out “Get Quote Quick App.”


What we can do for you! 

1 out of 3 Loans is an Exception!!!

  • Borrow from $150,000 to $3,500,000
  • Purchase, Refinance and Cash-out loans
  • Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
  • Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
  • Interest rate buy-down option available
  • Cash-out Unlimited
  • DSCR as low as 1.00%
  • Refinance up to 70% LTV
  • Purchase up to 75% LTV
  • No Prepayment Penalty after 60mo (Ask for shorter prepayment period)

 Call Us Today to Chat Now or Fill out out “Get Quote Quick App.”


  • Qualify on property’s rental income
  • No personal income verification
  • No tax returns or financials needed
  • No Dept-to-Income (DTI) Ratio
  • No Limit on financed properties
  • No lease is needed (Market rent can come from appraisal)
  • Use IO feature to calculate DSCR of Fixed or ARM loan
  • Gifts are allowed for Down Payment (subject to terms)
  • Minimum credit score 620 (Get better rate with higher FICO)
  • Low reserve requirement
  • No recent foreclosure or bankruptcy
  • Close mortgage in 14 days (after appraisal)

Call Us Today to Chat Now or Fill out out “Get Quote Quick App.”


  • Single family rental houses (SFRs)
  • 1-4 units multi-family properties (duplex, triplex, 4-plex)
  • Planned Unit Development (PUD)
  • Warrantable Condos
  • Non Warrantable Condos
  • Modular Homes
  • Townhomes

Call Us Today to Chat Now or Fill out out “Get Quote Quick App.”

Airbnb, Condotel or Modular Home DSCR Mortgages

The Key to Unlocking Your Investment Potential

The NonQM123’s mortgages are designed specifically for short-term rentals and Modular Home investors, so you can be sure that you’re getting the best rate and deal possible.  

We offer Competitive flexible terms, and the ability to hold your property title in LLC.

Contact us Today to learn more about our DSCR mortgages and how we can help you finance your investment property.

Loans That Empower 1st Time Investor to a Seasoned Investor

Over 135,000 Investors

The "Direct Lender Advantage" No Broker Needed!

No Middle Man Lending Here, Time to Chat!

As a Direct Lender, NonQM123 makes all of the credit decisions and exceptions in-house, providing Flexible Qualification and Faster Underwriting.

NonQM123 provides Mortgage Financing in 37 states for Business Purpose Loans Only and 7 States for your other financing needs. With us, you’ll be able to get more money at the best available interest rate and loan terms.

With Our Fully Automated LOS System and Highly Qualified Mortgage Bankers are eager to assist you with the Loan Application Process today, and you should Expect Lower Costs, Less Frustration, and Faster Funding!

**Banking Loans in CA, CO, FL, ID, LA, NJ and TX only. 

Business Purpose States: AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, ME, MD, MN, MO, MS, NC, NJ, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY, and is subject to change.

Request a FREE Quote Click Below. 

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