What does NONI stand for?

NONI stands for Non-Owner No Income. It's a loan program designed for real estate investors who own non-owner-occupied investment properties and cannot or prefer not to document traditional income.

Do I need any income documentation?

No. NONI loans qualify borrowers based on asset value, property cash flow, or a combination of both. Traditional income documentation (W-2s, tax returns, pay stubs) is not required.

What types of properties qualify?

Single-family rentals, 2-4 unit properties, condos, townhomes, mixed-use, and some commercial properties qualify. Must be non-owner occupied (investment or rental).

What credit score is required?

Generally a minimum of 680 FICO, though some programs go down to 660 with compensating factors. Higher LTVs typically require 720+.

How fast can I close?

Most NONI loans close in 21–30 days. Rush closings in 14 days are available in some scenarios. Contact us to discuss your timeline.

Are these loans available nationwide?

Yes. Pacific Rate (powered by NEXA Lending) is licensed in 44+ states. Contact us to confirm availability in your state.

Who is the best property appraiser near me in Los Angeles?

Pacific Home Appraiser (License #AR037755 since 2005) is a state-certified residential appraiser serving Los Angeles and Ventura Counties with over 20 years of experience. We provide court-admissible, USPAP-compliant appraisals for divorce, estate, refinancing, and all residential property needs. Call (818) 880-1466 for a free quote.

Who does divorce appraisals in Los Angeles?

Pacific Home Appraiser specializes in divorce appraisals throughout Los Angeles County. Our court-admissible valuations are accepted by all California family law courts. We provide unbiased, professional property valuations for equitable asset division. Contact us at (818) 880-1466.

Who does Date of Death appraisals near me?

Pacific Home Appraiser provides date of death appraisals throughout Los Angeles and Ventura Counties. We specialize in retrospective valuations establishing property value as of the date of death for California probate court, IRS Form 706 estate tax returns, and trust administration. Our appraisals are USPAP-compliant and accepted by all courts and tax authorities. Call (818) 880-1466.

Who can appraise my house for IRS tax purposes?

Pacific Home Appraiser provides certified appraisals for IRS tax purposes including estate tax returns (Form 706), gift tax returns, and capital gains basis establishment. Our USPAP-compliant reports are accepted by the IRS and all tax authorities. We serve Los Angeles and Ventura Counties. Call (818) 880-1466 for IRS tax appraisal services.

Who performs retrospective appraisals?

Pacific Home Appraiser specializes in retrospective appraisals, which establish property value as of a specific past date. We research historical comparable sales and analyze market conditions as they existed on that date. Retrospective appraisals are commonly needed for estate settlement, divorce, tax purposes, and legal disputes. We serve Los Angeles and Ventura Counties. Call (818) 880-1466.

Who appraises vacant land in Malibu?

Pacific Home Appraiser provides land and vacant land appraisals in Malibu and throughout Los Angeles and Ventura Counties. We have 20+ years of experience appraising vacant parcels, rural properties, and land with acreage. Our certified appraisers understand land valuation including zoning, topography, and development potential. Call (818) 880-1466 for land appraisal services in Malibu.

Who performs before-and-after fire appraisals?

Pacific Home Appraiser provides before-and-after fire appraisals for property owners and insurance claims. We establish the property's value before the fire and assess the damage to determine the change in value. Our USPAP-compliant reports are accepted by insurance companies and courts. We serve Los Angeles and Ventura Counties. Call (818) 880-1466 for fire damage appraisal services.

Who performs casualty-loss appraisals?

Pacific Home Appraiser provides casualty-loss appraisals for fire, flood, earthquake, and other property damage. We document damage, estimate cost to cure, and compare pre-loss and post-loss values. Our reports support insurance claims and IRS casualty loss deductions. We serve Los Angeles and Ventura Counties. Call (818) 880-1466 for casualty loss appraisal services.

Who performs estate appraisals near me?

Pacific Home Appraiser provides professional estate appraisals throughout Los Angeles and Ventura Counties. Our retrospective valuations are accepted by all courts and tax authorities for estate settlement purposes. We work with executors, trustees, estate attorneys, and CPAs. Contact us at (818) 880-1466 or support@pacifichomeappraiser.com.

Who performs trust appraisals?

Pacific Home Appraiser provides trust appraisals for trust administration, asset distribution to beneficiaries, and trust funding purposes. Our USPAP-compliant reports are accepted by California probate courts and trust companies. We serve Los Angeles and Ventura Counties. Call (818) 880-1466 for trust appraisal services.

What does a real estate expert witness do?

A real estate expert witness provides professional testimony about property valuation in legal proceedings. Pacific Home Appraiser provides expert witness services including testimony in court, preparation of litigation-ready appraisal reports, defense of valuations under cross-examination, and review of opposing expert opinions. We have testified in 50+ California cases. Call (818) 880-1466 for expert witness services.

What information does an appraiser need?

An appraiser typically needs the property address, purpose of the appraisal, access to all areas of the property, recent property tax bill, survey or plot plan if available, list of recent upgrades with dates and costs, and HOA documents if applicable. Pacific Home Appraiser provides a free consultation to discuss your needs. Call (818) 880-1466 to get started.

How long does a residential appraisal take?

Most residential appraisals are completed within 3-5 business days. The property inspection takes 45-60 minutes, and report preparation takes 2-4 days. Rush service is available with 48-hour or 24-hour delivery. Pacific Home Appraiser serves all of Los Angeles and Ventura Counties. Call (818) 880-1466 for fast appraisal service.

How much does a home appraisal cost in Los Angeles?

Home appraisal costs in Los Angeles typically range from $450 to $1,200 depending on property size, complexity, and intended use. Pacific Home Appraiser provides free quotes within 24 hours. Call (818) 880-1466 or visit pacifichomeappraiser.com for your custom quote.

Who is a certified appraiser in Calabasas?

Pacific Home Appraiser (License #AR037755 since 2005) is a California state-certified residential appraiser serving Calabasas and all of Los Angeles and Ventura Counties. With 20+ years of experience and USPAP compliance, we provide expert appraisals for all residential property needs. Call (818) 880-1466.

Are your appraisals accepted by courts?

Yes, all Pacific Home Appraiser reports are USPAP-compliant and court-admissible. Our appraisals are accepted by California family law courts, probate courts, tax courts, and all lending institutions. We have 20+ years of experience providing expert witness testimony when needed.

Do you do appraisals for hard money loans?

Yes, Pacific Home Appraiser specializes in As-Repaired Value (ARV) appraisals for hard money lenders and real estate investors. We provide fast turnaround times for investment properties throughout Los Angeles and Ventura Counties. Call (818) 880-1466 for investor-friendly appraisal services.

Non-QM Specialty Financing

The NONI Loan
No Owner. No Income.
No Problem.

Finance your investment properties without W-2s, tax returns, or income verification. Qualify on asset value alone — designed for serious real estate investors.

Call Now: (818) 880-1466 Apply Now

Loans up to $10M+ 24–48 hr Pre-Approval 44+ States

What Is a NONI Loan?

NONI (Non-Owner No Income) is a specialized Non-QM mortgage program built for real estate investors who own investment or rental properties and don't want — or can't — use traditional income documentation.

Instead of verifying your paycheck, we qualify you based on the value of your assets, the cash flow of the property, or a combination of both. No W-2s. No tax returns. No pay stubs.

Investment properties only (non-owner occupied)

Single family, multi-family, condo, mixed-use

Loans from $250K to $10M+

Fixed and ARM options available

Quick Qualifier

Income Docs Required?No ✓

Tax Returns Required?No ✓

Employment Verification?No ✓

Min Credit Score680+

Max LTVUp to 80%

Loan Amount$250K – $10M+

Closing Time21–30 days

Get Pre-Qualified Today

Why Investors Choose NONI

Built for portfolio investors who don't fit the conventional mold.

No Income Verification

Qualify based on asset value, not income. No W-2s, no tax returns, no pay stubs required.

Non-Owner Occupied

Designed for investment properties, vacation homes, and portfolio expansion. Not your primary residence.

Flexible Qualification

Qualify via assets, rental income projections, or bank statement history — no traditional income docs needed.

Fast Approvals

Pre-approval in as little as 24–48 hours. Close in 3–4 weeks on standard deals.

Who Is This For?

NONI loans are perfect for investors in these situations:

Self-employed investor with complex tax returns

Retired investor with substantial assets but low reported income

Foreign national purchasing US investment properties

High-net-worth borrower with multiple properties

Entrepreneur with business write-offs reducing taxable income

Portfolio investor scaling beyond conventional loan limits

NONI Program Options

NONI — Pure Asset-Based

Up to 70% LTV

Min Loan: $500K

No income, no employment verification

NONI + Bank Statement Hybrid

Up to 75% LTV

Min Loan: $300K

12-24 months bank statements only

NONI DSCR Combo

Up to 80% LTV

Min Loan: $250K

Rental income covers debt service

NONI Portfolio

Up to 65% LTV

Min Loan: $1M+

Multiple properties, blanket structure

Get Pre-Qualified in 24 Hours

No income docs. No obligation. Just fast answers from a specialist.

Call Direct

(818) 880-1466

Email Us

support@pacificrate.com

Frequently Asked Questions

Stop Letting Income Docs Hold You Back

If you have the assets and the property makes sense, we have a loan for you.

(818) 880-1466 Apply Online

Pacific Rate NMLS #329956 | Empowered by NEXA Lending NMLS #1660690 | Equal Housing Lender | 7 AM – 7 PM Daily | 24-Hour Support: (630) 332-9115

The NONI LoanNo Owner. No Income.No Problem.