#1 DSCR LOAN IN THE NATION -
CLOSE MORE LOANS W/ THE NONI

  • Now in all 50 States across America
  • No 4506T, Tax Returns, W-2s or Paystubs
  • 1-4 units & now 5-10 with mixed-use
  • First Time Investors now allowed
  • Multipurpose LLC now allowed
  • $2 million cash-out up to 65% LTV
  • Loan Amounts to $3.5 million
  • Ability to use above market rents

    (with supporting documentation)

  • LTV’s up to 85% (min 700+ fico)
  • theNONI Allows Foreign Nationals
  • As little as 0 months reserves 

    ( Use cash out for reserves)

  • FICOS As Low As 620
  • No LTV Restrictions on 2-4 units

the NONI is a True Business Purpose Loan.

  • Every Broker prefers selling the NONI because the NONI cuts turn times by weeks
  • Minimal conditions
  • The NONI does NOT follow TRID
  • NO LE/CD’s are required
  • NO Intent to proceed needed which means no wait times
  • Order the appraisal anytime or whenever you want

no . ni

/ no-nee /

noun

1. non owner no income

2. simple, innovative DSCR product available at theLender

The Best non owner loan in the industry

  • Designed for business purpose 1-4 unit residential loans
  • No income or employment collected on the loan application
  • No 4506T, Transcripts, Tax Returns, W-2s or Paystubs
  • Qualification is based on property cash-flow NOT borrower income
  • Rental income is taken from an existing lease or the rent survey from the appraisal and compared to the mortgage payment to determine debt coverage ratio
  • We take 100% of rents not 75% & will use higher of rents off 1007 or rental agreement

Ability to originate loans in 50 States across the country that you are not currently licensed (*some restrictions may apply)

How much rent does my borrower need to NONI?

calculate now

NONI Toolbox
(click to download)

ACH Form
Borrower Certification of Business Purpose (required for cash-out refi's)
Business Purpose Acknowledgement
Commercial Loan Application
Condo Questionaire
Credit Authorization
Doc Order Request Form
NONI Broker Package
NONI Calculator
NONI Checklist
NONI Guidelines
NONI Fact Sheet
NONI Matrix
NONI Prequalification Checklist
Occupancy Affidavit
Personal Guaranty Form – LLC ONLY
Submission Form
Doc Order Request Form

IF YOU HAVE A QUESTION, CHAT WITH ME TODAY
sincerely, Grandma noni

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Equal Housing Opportunity NMLS #133519 For current licenses, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DBA. theLender, 25531 Commercentre Dr #250., Lake Forest, CA 92630.