NMLS #1281 Since 2005 Non-QM Investor Specialists
Call/Text (833) 350-9185
1st Nationwide Mortgage

No Income. No Assets. No Problem.

NONI loans have zero income verification and zero asset verification. Built for real estate investors — and foreign nationals — buying investment properties in 49 states.

  • No tax returns, W-2s, pay stubs, or bank statements
  • Foreign nationals welcome — no U.S. credit history required
  • Close in your LLC or personal name
  • Investment properties only · 49 states + D.C.
  • Loans to $1.5M · Close in 21–30 days
20+ yrs lending
NMLS #1281
BBB A+ rated
49 states + DC
21-30 day close
Talk to an Investor Specialist (833) 350-9185
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NONI Loan FAQ

The real questions investors ask about No Income, No Asset loans.

What is a NONI loan?

NONI stands for “No Income, No Asset.” It’s a non-QM investment property loan that qualifies you based on the deal itself — not your personal income or assets. You don’t provide tax returns, W-2s, pay stubs, or bank statements. Built for real estate investors who can’t (or don’t want to) document income and assets the traditional way.

Do you really not verify income or assets?

Correct. Zero income verification and zero asset verification. We qualify the loan on credit, property, down payment, and reserves — not your personal finances. That’s the whole point.

Can foreign nationals qualify?

Yes. Our NONI program has a dedicated foreign national track — no U.S. credit history, income, or employment required. Investment properties only, typically up to $1.5M, with foreign-held reserves accepted.

What’s the minimum credit score?

Varies by program and scenario, but generally 660+ for U.S. borrowers. Foreign nationals qualify on international credit equivalents or reserves instead of a U.S. FICO score.

Can I close in my LLC?

Yes. You can close in your personal name, an LLC, or a trust. Most investors use an LLC for liability and privacy.

What loan amounts and LTVs are available?

Most NONI programs go up to $1.5M, with LTVs typically 65–75% depending on credit, experience, and property type. Larger loans may be available on case-by-case basis.

How many properties can I finance?

No cap. Unlike conventional loans that limit you to 10 financed properties, NONI has no property count restriction. Each property qualifies independently.

What states is NONI available in?

49 states plus D.C. Select your property state in the form above to confirm eligibility.

How long does closing take?

Typical: 21–30 days from file acceptance. No income or asset verification means far fewer conditions than a conventional loan.

What rates can I expect?

NONI rates are higher than conventional or DSCR loans because of the reduced documentation. Typically 1.5–3% above conventional. Call (833) 350-9185 for a same-day quote on your exact scenario.

NONI vs DSCR — which is right for me?

DSCR qualifies on the property’s rental income (rent covers payment). NONI doesn’t require any income source at all — just the property, your credit, and reserves. Use NONI if the property doesn’t cash-flow yet (new construction, rehab, vacancy) or if you’re a foreign national.