Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id kGtWMLZlgmiENAwAchKAPA (envelope-from ) for ; Thu, 24 Jul 2025 11:56:22 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 24 Jul 2025 11:56:22 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:60792) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1uezF0-00000003O3w-1LY6 for andrew@sterlingcal.com; Thu, 24 Jul 2025 11:56:22 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1753376166; x=1753383366; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=LkB4lsV9QRJbPdaBPElb5NVqhJck1yCgwhZZ9hIPQ3Q=; b=qB9Lxgs+/r9FyCwzh7YRR23kKOn6YDWbfG3+2mvPgAMGgQC8Ui5oy7qJw5346BlyP+C0BxTUR+9w9rTFDx6Efs63QJSPcVMvohmO8YExncXl5bGwuoedcCau8PogjdGDFeTM7MGqj7EsNLmp0T9rsV63YKOnaVlHRtDrBwsw8mbrhdeij6J4iMSiMP+SN58Vx1v0o19RfV8DSuY+GPnG89941kh45+f8S5JAp5XWDQG9Cwyo+4sZwCM9TtKzk1bb19Mzt4j0cZH5QoCDccqK8Xth/qKv2oN20xnO9sWt7h/qkDa+DTOMcg24N6kT7/a1bA7cziyomqhc9YoLFh93Mg== X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by 2f330e8317f6 with HTTP id 688265a6b1fb984a17865880; Thu, 24 Jul 2025 16:56:06 GMT X-Mailgun-Sending-Ip: 143.55.234.199 Sender: cleclair@thelender.com Date: Thu, 24 Jul 2025 16:56:06 +0000 Mime-Version: 1.0 Subject: theNONI = Flexible Financing for Investors From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "b0c086c3-b822-424e-97a9-ff48af9b012c", "sourceType": "emailblast", "templateId": "Q6UJ9A0M6361"} Message-Id: <20250724165606.c32f7fcae01fd0bc@thelender.com> Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable X-SPF-Check: 143.55.234.199 is not allowed to send mail from thelender.com X-Spam-Status: No, score=-3.3 X-Spam-Score: -32 X-Spam-Bar: --- X-Spam-Flag: NO
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<= /table>
= Your Go-To DSCR Solution Starts with theNONI <= /p>

At theLender, we k= now real-life investors don=E2=80=99t always fit inside the box. That=E2=80= =99s why we created theNONI - our flagship DSCR program designed to qualify= based on property cash flow, no personal income.

 

With FICOs as low = as 620, LTVs up to 85%, and no seasoning required on a 1.15 DSCR, this is f= inancing built for flexibility.

40-Year
Fully Amortized Term or = l/O

No Ownership Seasoning on Cash Out 

FICOs a= s

low as 
620

  • 0-mont= h reserves possible
  • Rural OK (up to 10 acres)
  • 100% gift funds al= lowed (with 5% verified from borrower)
  • Use actual rents received=E2=80=94no le= ases required
  • No LTV limits for 2-4 unit properties
    • Whether it=E2= =80=99s a short-term rental, long-term hold, or recently listed property, t= heNONI makes closing smoother=E2=80=94for brokers and borrowers alike.

     
    <= table class=3D"text_block block-3" width=3D"100%" border=3D"0" cellpadding= =3D"0" cellspacing=3D"0" role=3D"presentation"=20 style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><= td class=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;padding-rig= ht:10px;padding-top:10px">

    Cameron Le= clair

    (949) 312-5374 | = ;<= strong>cleclair@thelender.com 

    <= /table>

    Equal Housing Opportunity NMLS #133519 For current li= censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB= A theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mor= tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo= rtgage=E2=80=99s underwriting guidelines. This information is intended for = the exclusive use of licensed real estate and mortgage lending professional= s in accordance with local laws and regulations. Distribution to the genera= l public is prohibited. Loans made or arranged pursuant to the California F= inancing Law.


    We hope you found the content of this message to be i= nformative. If you'd rather not receive emails like this from us in the fut= ure, you can be removed from our list by clicking here. You're receiving this communicatio= n from us because you've given Hometown Equity Mortgage, LLC d/b/a theLende= r your email in the past, and we're trying to stay in touch with you. If yo= u prefer to contact us in writing, please mail any correspondence to 25531 = Commercentre #250 Lake Forest, CA 92630.


    3D'clear'