Direct Lender Making it easy to lend for




Finance your 2 – 10 units rental property without showing personal income. Find out what you can afford using the NonQM123 DSCR Investor Mortgage Programs. Call Us today or apply online!

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The NonQM123 Investor Advantage

Multi-Family Lender Advantage

Multiply Your Assets with DSCR Loans

The Best Multifamily Property Investment Loan Program –  Increase your buying power and get access to capital. Take advantage of passive income and existing equity in properties to create the potential for large long-term payouts.

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


2 – 10 Units Multifamily Financing


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

  • Direct to investor lending:
    – Flexibility with in-house underwriting
    – Better deals without the Middle Man
    – Faster Loan Approvals
    – Faster Processing Quick Funding
  • No-limits on number of financed properties
  • No balloon payments
  • No DTI or employment verified
  • Low reserve requirements
  • Interest-Only (IO) option – available
  • Keep property in your 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
  • Not a HARD MONEY Loan!

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


What We can do for you!

1 out of 3 Loan is an Exception!!!

  • Borrow from $350,000 to $30,000,000
  • Purchase, Refinance and Cash-out loans
  • Get a 15 or 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
  • Interest Only (I/O) features are allowed on ARMs and FRMs.
  • Interest rate buy-down option available
  • Cash-out Unlimited
  • Minimum DSCR is 1%
  • Refinance up to 75% LTV  (Lower rates with smaller LTV)
  • Purchase up to 75% LTV (Lower rates with smaller 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.”


The “How To Qualify” for a Multi-Fam 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 (Use 100% of the lesser of current lease or market rents as determined by the appraiser)
  • Use IO feature to calculate DSCR of Fixed or ARM/FRM loan
  • Gifts are allowed for Down Payment (subject to terms)
  • Minimum credit score 620 (Get better rate with higher FICO)
  • Low reserve requirements
  • Interest Only Loan feature: interest only payment (ITIA) on loan may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR
  • No recent foreclosure or bankruptcy (Exceptional Granted) 
  • Closing In Less than 30 days 

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


How big we can go with Multi-Fam!  Not BAD!

  • Residential 2 to 10 units only

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

The "DSCR Loan" Benefits

The Advantage of Our DSCR Loan  financing:

  1. Faster Closing Turn Times and Funding
  2. No Personal Income Verification what so ever
  3. Close Mortgage under LLC
  4. Flexible Lending Options

How this will  impact you as an investor:

  1. Close on a property quickly
  2. Irregular or no income – NO Problem!!!
  3. Limit “Your” Investment Risk
  4. Maximize your return on investment with interest only payments.

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

Over 90,000 Investors

The "Direct Lender Advantage" No Broker Needed!

No Middle Man Lending Here, Time Chat!

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

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 Fundings!

Banking 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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