ITIN DSCR Loans for Investors Without an SSN
You do not need a Social Security Number to finance a US investment property. ITIN DSCR loans qualify you on the property’s rental income, not your personal tax returns or US credit history. Property is held in your personal name (or LLC), with the same investor-friendly underwriting as a standard DSCR loan.
Highlights
- •ITIN accepted in place of SSN
- •Qualify on rental income (DSCR), not personal income
- •No US tax returns required
- •Foreign credit reports or alternative credit accepted by some lenders
- •Available for purchase, rate-term, and cash-out refinance
Who it's for
Foreign nationals living in the US, undocumented residents with valid ITINs, and investors whose tax filings do not reflect their actual income.
Active programs that fit
Non-QM Investor Loan
confirmed 5/15/2026A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
Frequently asked questions
Can I get a DSCR loan with an ITIN?
Yes. ITIN DSCR loans treat the ITIN as a valid taxpayer identifier. Qualification is based on the property’s projected or current rental income covering the new mortgage payment (DSCR), not on the borrower’s personal tax returns or W-2 income.
Do I need US credit history for an ITIN DSCR loan?
Not always. Some programs accept a foreign credit report, letters of reference from international banks, or 12 months of clean rental and utility history in lieu of a US FICO score. Programs with no FICO requirement also exist.
What FICO score do I need?
When a US FICO is reported, most ITIN DSCR programs start at 660 or 680. A handful of lenders go down to 640 with reserves and lower LTV.
How much down payment is required?
Typically 20–25% on purchase. Cash-out refinance is usually capped 5–10% lower than purchase LTV.
Can I close in an LLC?
Yes, this is the standard structure for investor DSCR loans regardless of citizenship.
Got a itin dscr scenario?
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Common questions on this topic
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Related programs
Foreign National DSCR Loans (No US Credit Required)
Investment property loans for non-resident foreign nationals. No US credit, no US income, qualify on rental income. Close in your name or LLC.
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.