Direct to Investor Lending

Modular Homes

Investor Mortgage


Finance your Modular-Home Rental property without showing personal income. Find out what you can afford using the NonQM123’s Modular DSCR Mortgage Program. Get a fast, No-obligation Rate Quote Within Minutes!

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Modular Homes

The Next Big Thing In Housing

Multiply Your Assets with DSCR Loans

Modular houses can provide good rental cash-flow for investors. They are typically less expensive to purchase than traditional site-built homes. Additionally modular homes are also often more energy-efficient than site-built homes, which can save money on utility bills.

Here are some additional things to consider when investing in modular homes:

Location: The location of your modular home is important for both rental cash flow and appreciation. You want to choose a location that is in high demand and has a strong rental market

Size: The size of your modular home will also affect your rental cash flow. A larger home will typically rent for more, but it will also cost more to build and maintain.

Condition: The condition of your modular home is also important. A well-maintained home will be more attractive to renters and will command a higher rent.

By considering all of these factors, you can increase your chances of success when investing in modular homes.

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



  • Direct to investor lending:
    – Flexibility with in-house underwriting
    – Better deals without intermediaries
    – 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 Borrower – allowed
  • First-time investor – allowed
  • Self-employed investors are Welcome
  • Fast efficient closings of 1031 exchange
  • Excellent loan product for long term investors

Get a FREE
Formal Lender Pre-Approval Letter


  • Borrow from $150,000 to $2,000,000
  • 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 up to $1,000,000
  • DSCR as low as 1%
  • Refinance up to 60%
  • Purchase up to 65%
  • No Prepayment Penalty after 60mo (Ask for shorter prepayment period)

Get a FREE
Formal Lender Pre-Approval Letter


  • Qualify on property’s rental income
  • Full Doc (1 or 2 Years of Income)
  • 12 or 24 Months Bank Statements
  • No Limit on financed properties
  • No lease is needed (Market rent can come from appraisal) – DSCR
  • Use IO feature to calculate DSCR of Fixed or ARM loan
  • Gifts are allowed for Down Payment (subject to terms)
  • Minimum credit score 600 (Get better rate with higher FICO)
  • Low reserve requirements
  • No recent foreclosure or bankruptcy
  • Close mortgage in less than 30 days (after appraisal)

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 15 states as Business Purpose Loans and 7 State of Banking Loans. 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!

**Loan from 3,000,00 to 30M are offered in 7 states only – Please Call Today! 

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, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY, and is subject to change.

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


Modular Homes have always been an affordable, practical and convenient housing solution – and in the last decade, they have evolved to become a stylish, adaptable and modern housing option in their own right.

  • They are built to the same standards as site-built homes. Modular homes are built to the same building codes and standards as site-built homes. This means that they are just as safe and structurally sound.
  • They are often more affordable than site-built homes. Modular homes are often more affordable than site-built homes because they are built in a factory and then transported to the building site. This can save time and money on construction costs and can result in better cash-flow of rentals
  • They are more energy-efficient. Modular homes are often more energy-efficient than site-built homes. This is because they are built with high-quality materials and construction techniques.
  • They built in a variety of styles. Modular homes are built in a variety of styles, from traditional to modern.
  • Quick and easy long-term financing. You can get a 30 or 40 year from $150,000 to $2 million. To qualify, we’ll check your credit and require a down payment (or refi equity). Income Verification, or Chose Our DSCR Investor Advantage Program
  • When financing Modular Homes, Our loans allow you to close title in your personal name, trust name or that of an LLC. .
  • A Modular Home is 1031 exchange eligible

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

Loans That Empower 1st Time Home buyers to a Seasoned Investor

Direct Lender Advantage

Direct To Investor Lending – No Intermediaries
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