Foreign National DSCR Loans (No US Credit Required)
Foreign national investors can finance US rental property without ever holding a Social Security Number, US credit, or US tax returns. Qualification is based on the property’s rental income and a passport-plus-visa identity package. Title is held personally, in a US LLC, or in many cases via a foreign entity with a registered agent.
Highlights
- •No US credit, no US income, no US tax returns
- •Qualify on the property’s DSCR
- •Passport + visa or proof of foreign credit accepted
- •LLC or foreign-entity title structures supported
- •Reserves typically held in a US bank for 30–60 days before close
Who it's for
Investors who live outside the United States and want to acquire single-family rentals, 2-4 unit small multifamily, or short-term rentals in the US.
Active programs that fit
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Foreign National Investment Loan
confirmed 5/9/2026Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Frequently asked questions
What documents does a foreign national need?
A valid passport, visa or visa-waiver evidence, two forms of ID, a foreign credit reference (or three letters of reference from international banks), and proof of funds for down payment plus reserves.
What’s the maximum LTV for a foreign national?
Most programs cap at 70–75% LTV on purchase and 65–70% on cash-out. The lower LTV vs. US-resident DSCR loans reflects the offshore funding profile.
How are reserves verified if my money is overseas?
Funds are usually wired to a US bank account 30–60 days before closing and seasoned in that account. A 30-day statement is acceptable at most lenders.
Can a foreign national get a cash-out refinance?
Yes. Cash-out is available with the same DSCR underwriting, generally with LTV 5% lower than purchase.
Got a foreign national scenario?
Tell us the deal - we'll match you with the right lender and come back with current pricing.
Common questions on this topic
Can I get a DSCR loan with bad credit?
Yes. DSCR loans are available with FICO as low as 600 (some programs lower) at adjusted LTV and rate.
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.
Can I get a DSCR loan after a recent bankruptcy?
Yes. Most DSCR programs require 12-24 months from discharge. A few specialty lenders go shorter with rate premium.
By state
Related programs
ITIN DSCR Loans for Investors Without an SSN
DSCR investment property loans for borrowers with an ITIN instead of a Social Security Number. No US tax returns. Qualify on rental income.
No-Ratio DSCR Loans (No DSCR Minimum)
No-ratio DSCR investment property loans. Qualify even if rent does not cover the mortgage payment. Higher down payment in exchange.