Explore flexible Non QM mortgage solutions designed for borrowers with unique income, asset, credit, and property situations. Justus Sharp with NFM Lending offers a wide range of financing options to help qualified borrowers find a mortgage solution that fits their goals.
Whether you're purchasing a long-term rental, acquiring a short-term rental, refinancing an existing investment, or expanding your real estate portfolio, Justus Sharp with NFM Lending offers flexible financing solutions designed to support qualifying real estate investors. With specialized Non-QM, investment property, and alternative income loan programs, Justus helps you explore financing options based on your property, financial profile, and investment strategy.
Explore Interest Only Loan options designed to provide flexible payment structures for qualifying borrowers.
Ideal for investors and property owners seeking greater cash-flow flexibility.
Explore Investment Property Non-QM Loans designed for real estate investors with unique financial situations. Flexible financing options can support qualifying rental and income-producing properties
Explore Jumbo Non-QM Loans for higher-value properties and unique financial situations.Flexible qualification options designed around your financial profile.Ideal for eligible homebuyers and real estate investors.
Explore Non-Warrantable Condo Loans for eligible condominium properties that may not meet traditional financing guidelines.
Flexible solutions for unique condo projects and borrower needs.
Explore Second Home Non-QM Loans designed for qualifying vacation and seasonal properties. Flexible financing options for unique income and financial situations.
Explore ITIN Loans designed for eligible borrowers using an Individual Taxpayer Identification Number.
Flexible financing options for qualifying home and investment property purchases.
Explore 1099 Income Loans designed for self-employed borrowers, contractors, and independent professionals.
Flexible income documentation options for qualifying borrowers.
Explore Asset Depletion Loans designed for borrowers with significant qualifying assets and limited traditional income.
Flexible financing options that may use eligible assets to help qualify.
Explore Asset Utilization Loans designed for borrowers with significant qualifying assets and unique income situations.
Flexible financing options that may consider eligible assets when evaluating qualification.
Explore Bank Statement Loans designed for self-employed borrowers, business owners, and those with non-traditional income.
Use personal or business bank statements to help document qualifying income.
Explore Fix & Flip / Bridge Loans designed for real estate investors seeking short-term financing. Fund qualifying property purchases, renovations, and investment opportunities.
Explore Profit & Loss Loans designed for self-employed borrowers and business owners with unique income situations.
Use a qualifying P&L statement to help document business income.
The investment property financing process doesn't have to be complicated. Justus Sharp with NFM Lending provides clear guidance and responsive service throughout the process, helping you understand your financing options and move toward closing with confidence.
Share your property details, investment goals, financing needs, and financial profile. Understanding your complete situation helps Justus Sharp identify the most suitable Non-QM and investment property loan options for your goals.
Justus Sharp will review your investment scenario and help you understand available financing options, including applicable loan terms, qualification requirements, and property considerations.
Once you’ve selected the right financing strategy, move through the loan process with dedicated support and clear communication from Justus Sharp, from application through closing.
Whether you're purchasing your first investment property, refinancing an existing rental, or expanding your real estate portfolio, Justus Sharp with NFM Lending is here to help you explore the right financing options. With a personalized approach and expertise in Non-QM and investment-focused lending, Justus provides clear, responsive guidance to help you make confident financing decisions
Tell us about your investment property and financing goals. Justus Sharp with NFM Lending will review your scenario and help you understand the Non-QM and investment property loan options that may fit your needs.
No spam. No obligation. Just straightforward guidance from Justus Sharp.
Equal housing lender. MLO licensing information: AL # 64071 FL # LO102080 IA # 50195 IL # 031.0079558 KS # LO.0057292 MI #436047 MO # 436047 NC # I-215855 OH # MLO.013279.000 SC # MLO – 436047 TN # 436047 TX VA # MLO-69578VA . NFM Lending, LLC. For NFM Lending, LLC’s full agency, and state licensing information, please visit http://nfmlending.com/licensing . NFM Lending, LLC’s NMLS#2893. For licensing info, go to: www.nmlsconsumeraccess.org. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please contact your Loan Originator. You will need to apply for a first mortgage loan with NFM Lending, LLC. in conjunction with any down payment assistance program. All information contained herein is subject to change at any time. A training class might be required. All DPA programs require to apply for a 1st and 2nd mortgage. NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair Company to learn more. Interest rates are subject to change daily and without notice. www.nfmlending.com. © 2026 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. MAC0726_4518798267
Licensing Details: NMLS # 2893
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