Fast & Hassle-Free
DSCR Loans
✅ 5.875% Rate / 6.077% APR*
Finance 1-10 unit investment properties based on cash flow — not your tax returns.
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Investment Loans Tailored for
Real Estate Investors
DSCR loans qualify you based on rental income potential, not personal income documentation
No Tax Returns Needed
We underwrite based purely on the property's cash flow — no personal tax documents required.
Flexible Terms for Deals
No maximums for investment properties owned or financed. We even consider rural properties.
Lower Monthly Payments
Take advantage of interest-only options to maximize your cash flow and investment returns.
Flexible DSCR Requirement
DSCR ratios drive pricing. Most are +1.0 and that is where pricing is most favorable. We can work with ratios as low as 0.75 with 25% equity.
Why Choose NonQM123 for
Your DSCR Loan?
Use Rental Income to Qualify
No W-2s or tax returns required. Qualify based on property's income potential.
Cash Out Refinance Up to 80% LTV
Access your property equity for new investments or renovations.
High LTV Purchase – Up to 85% LTV
Minimize down payment requirements and preserve capital for other investments.
Airbnb, VRBO, and STRs – OK
Short-term rental income accepted for qualification purposes.
No Pre-Pay Penalty Options
Flexibility to refinance or sell without additional fees.
No Ratio DSCR Options
Available with 25% equity - perfect for value-add properties.
In-House Underwriting
Direct lender with complete control over the approval process.
Get Approved with 620+ FICO
Lower credit requirements than traditional mortgages.
Purchase, Refinance, or Cash Out
Flexible loan purposes for all your investment needs.
First-Time Investors Welcome
No prior investment experience required to qualify.
Fund into Corporation or LLC
Asset protection and tax advantages for your investments.
1–10 Unit Properties – OK
From single-family homes to small multi-family properties.
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!
How to Calculate DSCR
Understanding your Debt Service Coverage Ratio is simple
Example Calculation
Have a Question?
We Have the Answers
How is a DSCR calculated?
The Debt Service Coverage Ratio (DSCR) is calculated by dividing gross rents by PITIA (Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of over 1.0 means that there is sufficient cash flow to cover the debt service/loan payments. A DSCR under 1.0 means that there is not enough cash flow to cover the debt service.
How is income evaluated in a DSCR loan?
NonQM123's DSCR program focuses on the property cash flow, so no other income documents are required. We don't need to see your W-2s, tax returns, or pay stubs.
How is the rental income verified?
Rental income is verified by the lower of gross rents on the lease agreement OR the Form 1007 Rent Survey completed by the appraiser. For multi-unit dwellings, we use the Form 216 Operating Income Statement. We also accept statements from Airbnb, VRBO, and other short-term rental platforms.
Will you consider income from short term rentals?
Yes! We will review statements from short term rental companies, such as Airbnb and VRBO, to calculate income and determine your DSCR ratio.
What credit score do I need?
You can get approved with a FICO score as low as 620. Higher credit scores may qualify for better rates and terms.
Can't find the answer you're looking for?
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What People Are Saying
About Us
"The whole team at NonQM123 is awesome! It was such a pleasure working with them. They got our loan refinanced in less than 2 weeks! I would highly recommend them to anyone looking for a mortgage."
"An absolutely outstanding experience. It is rare these days to experience truly exceptional customer service and care. The team worked diligently and creatively to put together a loan that met my needs perfectly."
"My experience was exceptional. Fast, friendly, knowledgeable, and highly communicative. Easily the best mortgage experience I've had. I'll definitely be using NonQM123 for my future investments."
Ready to Take the Next Step?
Get your free DSCR loan quote today. No obligation, fast response.
DSCR Loans Disclosure & Licensing
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, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY, and is subject to change.
*The 5.875% Rate / 6.077% APR special applies to a 30-year DSCR mortgage for a 1-4 unit investment property. Terms and conditions apply. Qualification is based primarily on the property's rental income (DSCR) and borrower's credit score. 80% LTV requires a minimum 720 FICO. Rates are subject to change without notice. Waiving of $995 processing fee is a limited-time offer for February 2026.
Not a commitment to lend. All loans are subject to credit approval. NonQM123 is a brand of FFC Mortgage Corp., NMLS #3252. We are a direct lender focused on providing innovative mortgage solutions for real estate investors. For licensing information, please visit NMLS Consumer Access.
For immediate updates call 1-866-DSCR-123 (866-372-7123)