Nicole Gracia
NONQM & DSCR Specialist | Sales Manager
- Role
- Sales Manager at theLender
- Location
- Santa Ana, CA, US
- LinkedIn followers
- 500 followers
About Nicole Gracia
Home of the NONI Non Owner, No Income LoansWhat is a DSCR loan?DSCR loan is a type of non-QM loan that investors qualify for based on their property\'s cash flow, without having to verify personal income. Aka Non Owner, No Income! DSCR Equation = Subject Property Rental Income / PITIA theNONI Line UptheNONI FICOs as low as 640! Investor loans that INCLUDEForeign NationalsLong-Term & Short-Term Rentals (Airbnb & AirDNA)CondotelstheNONI+Designed for that experienced investor with good credit and properties with a strong debt service ratio.Up to 85% Purchase LTV & 80% Cash-out LTV on rental properties with DSCR >1.25NONI58/NON158+For 5-8 Unit Investment Residential Properties and 2-8 Unit Mixed-Use Investment PropertiesnearNONIIt\'s not quite theNONI, but this No Ratio Loan is definitely cut from the same cloth and here to help investors out.theBLANKETSingle mortgage for up to 25 propertiesGet in ContactMobile: 94••••••21Email: n••••••@theLender.com
Experience
Sales Manager
Sep 2025 — Present · Lake Forest, CA, US
Education
Dominican University
Business/Commerce, General
2010 — 2012
Queen of Peace High School
High School Diploma
2006 — 2010
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