Can a foreign national get a DSCR loan?

Yes. Foreign-national DSCR programs require no US credit, no SSN, no US tax returns. Down payment 25-30%, slightly higher rate.

Foreign nationals - non-US residents - can finance US investment property via specialty foreign-national DSCR programs. Documentation pivots to: passport, visa or visa-waiver evidence, two forms of ID, foreign credit reference (or three letters of reference from international banks), and proof of funds for down payment plus reserves. No US credit, no SSN, no US tax returns required. LTV caps are typically 70-75% on purchase (vs. 80% for US-resident DSCR), 65-70% on cash-out. Rate premium: 0.5-1.5% above US-resident DSCR. Reserves must be wired to a US bank account 30-60 days before closing and seasoned. Closing structures: personal name, US LLC, or foreign-entity LLC with US registered agent. Canadian borrowers often see streamlined documentation thanks to Equifax Canada bureau access. ITIN holders are different from foreign nationals - ITIN borrowers live in the US and have an ITIN tax ID; they qualify under a separate program with better pricing than foreign national.