Foreign National DSCR Loans
U.S. investment property financing without U.S. credit or income requirements.
Finance your rental portfolio with ease
Investing in the U.S. from abroad? No US credit? No problem. Our Foreign National
DSCR Loan lets you fund 1–4 unit properties, condos, townhouses, and PUDs with ease
and confidence.
Why investors love this program:
- 30-year fixed-rate financing – predictable, long-term stability.
- No US credit required – ideal for international investors.
- Purchase 1–4 unit investment properties – gain access to the US market.
Expand your portfolio in the U.S. with funding made for international investors.
| Loan Amount | $100,000 to $5,000,000 |
| Minimum Credit | No Foreign or Domestic Credit Needed |
| Minimum DSCR Coverage | As Low as .75 |
| Rates | Rates starting at 6.75% |
| Points | 0–4% (Discount Points) |
| Payment | Fully Amortized |
| Purchase Loan to Value (LTV) | Up to 75% |
| Cash Out Refinance Loan to Value (LTV) | Up to 65% |
| Eligible Locations | Worldwide |
| Income Types | 6 Month Reserves Needed |
Foreign National DSCR Loans Details
- Single Family Homes
- Duplex, Triplex, Quadplex
- Condos
- Puds
Flexible U.S. real estate financing for international
investors—underwritten to the asset, not the borrower.
Program Highlights
- Rates starting at 6.25%
- No U.S. or foreign credit required
- No reference letters
- No proof of foreign home ownership
- No management experience required
Leverage
- Up to 75% LTV purchase
- Up to 65% LTV cash-out refinance
- Minimum 0.80x DSCR
Eligible Properties
- 1–4 Unit Residential
- Condos, Townhomes, PUDs
- Minimum 0.80x DSCR
Assets & Reserves
- Down payment and closing funds held in a U.S. account prior to closing
- Foreign accounts permitted for assets and reserves
- 6 months reserves required
How It Works
A clear path to funding, built around speed, structure, and trust.
Share Your Vision
Tell us about your deal, goals, and timeline.
Review & Structure
We assess options and structure the right financing.
Match With Capital
We connect you to the best-fit lender or investor.
Approve & Close
Move through approval and close efficiently.
Frequently Asked Questions
What is a Foreign National DSCR loan?
A Foreign National DSCR loan allows non-U.S. residents to finance U.S. investment properties based on property cash flow rather than personal income or credit history.
Is a U.S. credit score required?
No. This program does not require a U.S. credit score or foreign credit history.
What DSCR is required to qualify?
The property must demonstrate a minimum 0.80 DSCR.
What property types are eligible?
Eligible properties include 1–4 unit residential homes, condos, townhouses, and PUDs.
Can assets be held outside the U.S.?
Yes. Assets and reserves may be held in a foreign account, though down payment and closing funds must be in a U.S.-based account prior to closing.
Is prior property management experience required?
No. Management experience is not required to qualify for this program.
How much can I borrow?
Loan amounts are determined by LTV limits and property cash flow, with purchases up to 75% LTV and refinances up to 65% LTV.