Business-Purpose Eligible
Alabama
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
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Business-Purpose Eligible
Alaska
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
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Not Currently Available
Arizona
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
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Business-Purpose Eligible
Arkansas
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Licensed State
California
California DFPI — Financing Law License
Licensed state — final DSCR structure subject to compliance review
FFC Mortgage Corp. dba NonQM123 reports a California DFPI Financing Law License. Current DSCR availability remains subject to property, borrower, vesting, investor, state, and program requirements.
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Business-Purpose Eligible
Colorado
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Connecticut
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Delaware
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
District of Columbia
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Licensed State
Florida
Florida — Mortgage Lender License
LLC-only under the current business-purpose matrix
FFC Mortgage Corp. dba NonQM123 reports a Florida Mortgage Lender License. Under the supplied April 1, 2026 business-purpose matrix, Florida remains LLC-only for this DSCR program unless compliance approves a broader borrower structure.
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Business-Purpose Eligible
Georgia
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Hawaii
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Licensed State
Idaho
Idaho — Mortgage Broker/Lender License
Licensed state — final DSCR structure subject to compliance review
FFC Mortgage Corp. dba NonQM123 reports an Idaho Mortgage Broker/Lender License. Current DSCR availability remains subject to property, borrower, vesting, investor, state, and program requirements.
Start My DSCR Quote
Business-Purpose Eligible
Illinois
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Indiana
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Iowa
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Kansas
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Kentucky
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Licensed State
Louisiana
Louisiana — Residential Mortgage Lending License
Natural person + LLC eligible under the current business-purpose matrix
FFC Mortgage Corp. dba NonQM123 reports a Louisiana Residential Mortgage Lending License. The supplied April 1, 2026 business-purpose matrix shows natural-person and LLC eligibility, subject to property, investor, state, and program guidelines.
Start My DSCR Quote
Business-Purpose Eligible
Maine
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Maryland
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Massachusetts
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Michigan
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
Minnesota
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
Mississippi
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Missouri
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
LLC-Only Eligible
Montana
LLC-only under the current business-purpose matrix
Business-purpose DSCR may be available only when the borrower, vesting, and program structure meet current LLC requirements.
Review LLC DSCR Options
Business-Purpose Eligible
Nebraska
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
Nevada
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
New Hampshire
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
New Jersey
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
New Mexico
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
New York
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
North Carolina
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
North Dakota
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
Ohio
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Oklahoma
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
Oregon
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
Pennsylvania
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
Rhode Island
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
South Carolina
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
South Dakota
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
Tennessee
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Texas
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Not Currently Available
Utah
Not currently available under the supplied matrix
DSCR123 is not currently presenting this jurisdiction as available under the supplied state matrix and licensed-state update.
Contact the Deal Desk
Business-Purpose Eligible
Vermont
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
LLC-Only Eligible
Virginia
LLC-only under the current business-purpose matrix
Business-purpose DSCR may be available only when the borrower, vesting, and program structure meet current LLC requirements.
Review LLC DSCR Options
Business-Purpose Eligible
Washington
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
West Virginia
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Wisconsin
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
Business-Purpose Eligible
Wyoming
Natural person + LLC eligible under the current business-purpose matrix
Business-purpose DSCR may be available to natural persons and LLCs under the current private-lending eligibility matrix. This category is not a statement that the company holds a license in each green jurisdiction.
Review My DSCR Scenario
