NONI – Non Owner No Income.

A simple, innovative business purpose loan product available exclusively at theLender. NONI is the result of four years and over $5 billion in NonQM submission R&D. We’re here to help you add this incredible business line to your business.

“How to Find A NONI” webinar | June 20th
In this webinar we discuss how to identify a NONI, define what type of borrowers NONI likes, and reveal how you can become a Super NONI broker Check out the whole webinar below.

Download the PDF version HERE

“Getting to Know NONI” webinar | June 4th
Did you miss the webinar but still want to learn more about NONI and what makes it the best business purpose loan out there? Check out the whole webinar below.

Download the PDF version HERE

“Teach Me How to NONI” webinar | May 14th
Want to learn how to dominate the non-owner marketplace? Watch the video below to learn every step. There is a ton of info on how to approach these loans, why so many deals fall apart and what makes NONI so special.

Download the PDF version HERE

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

    • Download theNONI flyer HERE

NONI Toolbox

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If you have more questions or need more information, please shoot us an email at TeachMeToNONI@theLender.com