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Non Owner, No Income (NONI) loan 

Program Highlights

  • No Pricing Adjustments for cash-out, units, IO, or condo
  • Qualify your Debt Service Coverage (DSCR) off of the Note rate! If Interest Only, Interest, Tax, Insurance (ITIA) is used!
  • No Income/No Reserves/No Employment on 1003
  • Gift Funds Allowed
  • 3 Credit Tiers 680+ / 640-679 / & 620-639
  • $3,500,000 Max Loan Amount
  • $2,000,000 Max Cash Out
  • 80% Max LTV
  • 620 Minimum Credit Score
  • Qualification DSCR ≥ 1.0
  • Financed Properties No Limit on Number of Financed Properties
  • 3 Year Seasoning Foreclosure, Short Sale, Loan Modification, Deed in Lieu & Bankruptcy
  • Terms: Fixed, ARM & Interest Only Options
  • Soft Prepay Available
  • Program avaiable in 

    Program Highlights

    • No Pricing Adjustments for cash-out, units, IO, or condo
    • Qualify your DSCR off of the Note rate! If Interest Only, ITIA is used!
    • No Income/No Reserves/No Employment on 1003
    • Gift Funds Allowed
    • 3 Credit Tiers 680+ / 640-679 / & 620-639
    • $3,500,000 Max Loan Amount
    • $2,000,000 Max Cash Out
    • 80% Max LTV
    • 620 Minimum Credit Score
    • Qualification DSCR ≥ 1.0
    • Financed Properties No Limit on Number of Financed Properties
    • 3 Year Seasoning Foreclosure, Short Sale, Loan Modification, Deed in Lieu & Bankruptcy
    • Terms: Fixed, ARM & Interest Only Options
    • Soft Prepay Available 

      6 months interest on 80% of the original principal balance (Standard Term = 3 years); ** Prepay Penalty allowed for loans closed in the name of Corporation or LLCs (personal guarantee required).

    • Available in States: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL**, KY, LA, MA, MO, MD, OK, NJ***, PA*, RI, SC, TN, TX***, UT, VA, WA 

      PA*- Min Loan Amount is $256,024 if title is held as individual

      NJ*** PPP allowed when closing in an entity, otherwise PPP must be bought out when closing as an individual. RI- PPP not allowed. Must buyout PPP.

       

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