An Investment Mortgage Product that Makes Sense!



$150K Minimum Loan to $30 Million**
Purchase. Refinance. Cash-Out.

Get a 30 or 40 year mortgage for a 1 to 4 units investment property based on its Current Producing Rental Income  or Current Market Rental Income. 

Loan amount range $150K to $30 million**.

To qualify, we Run your Credit (minimum 575 Mid Fico) If a Purchase we Require 15% down (740 Min Fico). Looking for Cash-Out 75% LTV Max. No income or employment verification, “No Ratio” Needed, no tax returns, no financials needed.

“No Ratio” DSCR Loans Limited to 75% Loan to Value!  Apply Now!

Call Us or Apply Now

Turn Rental Property Equity Into Cash

Multiply Your Assets with DSCR Loans

Increase your buying power and get quick access to capital. Take advantage of passive income as well as existing equity in a rental property to create the potential for large long-term payout.

Using cash-out refinance, you can pull-out Unlimited Funds to 75% Loan to Value in equity out of each existing rental property. Utilize our DSCR Investor Cash Flow Loans and take advantage of fast funding services for mortgage cash-out refinance, the hybrid of current market fixed or variable rates, and flexible terms, to seize new investment opportunities.

Use our simple loan application process will help accelerate the growth of your real estate investment portfolio fast.


1-4 Units Rental Property Financing


Why to deal with a Direct Lender and Not a Broker.

  • Direct to investor lending:
    – Flexibility with in-house underwriting
    – Better deals without Middle Man!!!
    – Faster Approvals
    – Faster processing, quick funding
  • No-limits on number of financed properties
  • Exceptions Made Upfront
  • Lower reserve requirements
  • Close Faster 
  • Keep property under LLC – allowed
  • Non-occupant co-borrower – allowed
  • Foreign national borrower – allowed
  • First-time investor – allowed
  • Self-employed investors are welcome
  • Fast efficient closings of 1031 exchange
  • Excellent loan product for long term investors
  • This is Not HARD MONEY

Call Us today for a Free Consulting and Quote!


What we can do for you! 

1 out of 3 Loans is an Exception!!!

  • Borrow from $150,000 to $30,00,000 Million
  • Purchase, Refinance and Cash out 
  • Get a 30yr Fixed, 40yr Fixed or an ARMs Mortgage Term
  • Interest-Only features are allowed for 40yr Fixed and 30yr Fix, and ARM loans
  • Interest rate buy-down option available
  • Cash-out Unlimited
  • NO RATIO Options Available NOW!
  • Refinance up to 80% LTV (for SFR) 
  • Purchase up to 85% LTV (for SFR) 
  • No Prepayment Penalty Options Availabe
Call Us today for a Free Consulting and Quote!


The “How To Qualify” for a DSCR Loan:

  • 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 575 (Get better rates with higher FICO)
  • Minimum Reserve Requirement
  • No Recent Foreclosure or Bankruptcy
  • Close mortgage in 8 days (after appraisal come in)

Call Us today for a Free Consulting and Quote!


The Properties We Can Currently Lend to:

  • 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
  • Airbnb, VRBO, Condotel
  • 1031 exchange eligible
  • 2-10 Units *Now Available*

Call Us today for a Free Consulting and Quote!

Hard Money? No!

Use the DSCR Superior Alternative to a

Hard Money Loans

Our DSCR Loan Program is a superior alternative to Hard Money Loans, which can suffer from a painfully slow approval process. Many lenders, among other things, are also interested in your personal debt-to-income ratio.

Hard Money loans also have balloon payments and are more expensive. Expect to pay double-digit interest rates and several point origination fees.

Take advantage of our quick funding long-term DSCR financing instead of a Jumbo conventional mortgage, which often requires a higher credit score, as well as personal income and employment documentation.

Loans That Empower 1st Time Investor to a Seasoned Investor

Helping Over 160,000 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 from 150,000 to 30M 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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