NonQM123 state coverage

DSCR State Availability & Licensing

Review the current business-purpose DSCR availability matrix by property state, borrower type, and vesting structure. Availability can depend on licensing, property location, entity structure, investor guidelines, underwriting requirements, and the complete loan scenario.

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4Banked / Licensed States

37Natural Person + LLC Eligible

2LLC-Only Eligible

8Not Currently Available

Interactive state map

Choose a state to review the current DSCR path.

Licensing status and business-purpose eligibility are separate concepts. Select a jurisdiction to see the current working category and the appropriate next step.

Stylized tile map. Alaska and Hawaii are shown at the lower left; Washington, D.C. is included. The complete state list follows the map.

Complete state list

Current business-purpose DSCR availability by category.

Matrix effective April 1, 2026. Site presentation updated July 30, 2026.

4

JURISDICTIONS

Banked / Licensed States

Current mortgage licensing is shown for FFC Mortgage Corp. dba NonQM123. Program availability and eligible vesting can still differ by state.

37

JURISDICTIONS

Natural Person + LLC Eligible

Current business-purpose DSCR availability is shown for eligible natural-person and LLC vesting, subject to complete program review.

2

JURISDICTIONS

LLC-Only Eligible

Current business-purpose DSCR availability is shown for eligible LLC vesting only, subject to complete compliance and program review.

8

JURISDICTIONS

Not Currently Available

The current program matrix does not show this DSCR program as available in these states. Contact the Rate Desk for current alternatives.

Important distinction

State licensing and DSCR program eligibility are not the same thing.

A banked or licensed-state designation does not guarantee that every property, borrower, entity, loan purpose, or program structure is available. Likewise, a business-purpose eligibility category is not a claim that NonQM123 holds a mortgage license in every listed jurisdiction.

All scenarios remain subject to business purpose, occupancy, property, borrower, vesting, documentation, title, appraisal, insurance, state, investor, underwriting, and compliance review.

Verify company licensing

Review the current NonQM123 licensing disclosure page and verify Company NMLS #3252 through NMLS Consumer Access.

State availability disclaimer: This page is provided for general information and business-planning purposes. It is not legal advice, a commitment to lend, or a guarantee of program availability. State requirements, licensing status, borrower eligibility, entity structure, property type, investor guidelines, underwriting requirements, and program availability may change. Final availability must be confirmed by the NonQM123 DSCR Rate Desk.