Non-QM Pricing Calculator – Pacific Bay Lending Group

Pacbay Non-QM Pricer — Broker Portal

Non-QM Scenario Pricer

SOFR —

Rate Sheet · — · Effective —

Program

Income Documentation

Loan Amount

LTV %

Purpose

Occupancy

Property Type

State

FICO

DTI %

Monthly Rent (NOI)

PITIA

Use No Ratio (skip DSCR calculation)

DSCR Ratio

1.098

Prepayment Penalty (Years)

5Y

4Y

3Y

2Y

1Y

None

Interest Only Escrow Waiver

None Target Rate Min Price

Target Rate (%)

Shows 5 rates around target (± 0.25%, estimated if off-grid).

Min Price

Shows 5 rates with credit ≥ value, closest to threshold.

Complete the scenario

Pricing will render here.

Alternative Programs

Programs with the same documentation & occupancy will appear here.