What does NonQM123 do?

NonQM123 reviews Non-QM mortgage options for self-employed borrowers, real estate investors, foreign national borrowers, and borrowers with documentation or property scenarios that may not fit a traditional bank process.

What programs can I review online?

You can start with DSCR Investor Loans, Bank Statement Loans, Multi-Family DSCR, Short-Term Rental DSCR, Modular Home DSCR, Foreign National, ITIN, Closed-End Second, HELOC, Asset Depletion, 1099, Profit and Loss, and other Non-QM scenarios.

Will starting online affect my credit score?

No hard pull to start. If a full credit report is needed later, NonQM123 will request authorization before proceeding.

NonQM123 is the DBA and online platform of FFC Mortgage Corp., a New York corporation formed in 1987. Company NMLS #3252. Equal Housing Lender.

FFC Mortgage Corp. dba NonQM123 • NMLS #3252

We do loans banks don’t. It’s that simple.

A direct online Non-QM mortgage lender for real estate investors, self-employed borrowers, foreign national borrowers, home-equity borrowers, and clients whose loan needs a smarter review than a standard bank box.

Start My Non-QM Review Start DSCR Deal Desk Call 833-666-7612

No hard pull to start Direct Online Lender Company NMLS #3252 Equal Housing Lender

Loan programs

Mortgage programs for real borrower scenarios.

NonQM123 is built for borrowers whose file deserves a smarter review: rental income, business-owner cash flow, bank statements, equity access, assets, 1099 income, foreign national scenarios, and specialty property types.

DSCR Loans

Rental property purchase, refinance, cash-out, STR, multi-family, modular, LLC, and no-ratio investor review.

View DSCR Loans →

DSCR Cash-Out Refinance

Pull equity from a rental property using DSCR investor-loan review.

Review Cash-Out →

Short-Term Rental DSCR

Airbnb, VRBO, vacation-rental, and short-term rental income review.

View STR DSCR →

Multi-Family DSCR

2–10 unit rental-property financing paths using property cash-flow review.

View Multi-Family →

Bank Statement Loans

Personal bank statement review for self-employed borrowers and business owners.

View Bank Statement →

Business Bank Statement Loans

Business bank statement review when tax returns do not show the full income story.

View Business Statements →

Start online

Start with the loan review that fits your goal.

Each path is built around the way borrowers actually ask for help: rental-property financing, self-employed income review, or home-equity access while keeping the first mortgage in place.

Rental Property Investors

Use the DSCR Deal Desk for purchase, refinance, cash-out, short-term rental, multi-family, modular, LLC, and no-ratio investor scenarios.

Start DSCR Deal Desk →

Self-Employed + Specialty Borrowers

Use the Non-QM Quick Quote for Bank Statement, Business Bank Statement, 1099, P&L, Written VOE, ITIN, Foreign National, Asset Depletion, and Expanded Credit review.

Start Non-QM Review →

Home-Equity Borrowers

Use the Closed-End Second / HELOC Deal Desk when you want to access equity while keeping your current first mortgage in place.

Start Equity Review →

A cleaner online mortgage review.

Start online with your loan goal, property type, estimated value, requested loan amount, and documentation path. A NonQM123 specialist can review the scenario with better information from the first conversation.

Built around real borrower profiles.

Whether you are self-employed, investing in rental property, using assets, reviewing a second-lien option, or buying U.S. property as a foreign national, NonQM123 helps route the scenario to the right program path.

Explore programs

NonQM123 loan programs.

Every major program page has a clear consumer purpose, plain-language program information, and a direct next step.

DSCR LoansRental property purchase, refinance, cash-out, STR, multi-family, modular, LLC, and no-ratio investor review. DSCR Cash-Out RefinancePull equity from a rental property using DSCR investor-loan review. Short-Term Rental DSCRAirbnb, VRBO, vacation-rental, and short-term rental income review. Multi-Family DSCR2–10 unit rental-property financing paths using property cash-flow review. Bank Statement LoansPersonal bank statement review for self-employed borrowers and business owners. Business Bank Statement LoansBusiness bank statement review when tax returns do not show the full income story. 1099 Income LoansAlternative income review for contractors, consultants, and 1099 earners. Profit and Loss LoansCPA-prepared or borrower-prepared profit-and-loss paths where program fit allows. Asset Depletion LoansUse eligible assets as part of the qualifying review when income docs are not the best fit. Written VOE LoansVerification-of-employment review paths for eligible borrower scenarios. Foreign National LoansU.S. property financing review for eligible foreign national borrowers. ITIN LoansAlternative documentation review for eligible ITIN borrower scenarios. Modular Home LoansModular-home property review paths where program and property fit allow. No Ratio Investor LoansInvestor-property review paths where property, equity, and program rules drive the file. Expanded Credit Non-QMFlexible Non-QM credit review for borrowers who need more than a traditional box. Closed-End Second MortgagesFixed second-lien equity access when keeping the first mortgage makes sense. HELOC Second-Lien LoansHome-equity line review for borrowers needing flexible access to equity. DSCR CalculatorEstimate rental-property coverage and cash-flow fit before a full loan review. Team / Specialist DeskConnect with the right NonQM123 specialist for your scenario. Get QuoteStart online and route your scenario to the right NonQM123 review path.