Foreign National DSCR Loans: Buying US Rental Property From Abroad
By Travis Penny, mortgage broker ·
Last updated October 14, 2026
If you want the program details in one place, start with my foreign national DSCR loans page. Here's how it works and who it fits.
Can a non US citizen get a mortgage?
Yes. Foreign national programs are built for buyers without a Social Security number, US credit or US income. The property carries the file.
What will I need?
Expect proof of funds for the down payment and reserves. Some programs want those funds sitting in a US bank account, and some ask for an EIN. Program rules vary, and I'll tell you exactly what yours needs.
Is it only for rentals?
Yes. My foreign national DSCR loans are for investment property only.
Where can I buy?
37 states. I don't do DSCR in California or Rhode Island, and Montana is LLC only.
Where to go from here
My foreign national DSCR loans page has the full rundown, and the qualify quiz tells you in two minutes if it's worth a call.
FAQ
Can a foreign national get a DSCR loan?
Yes, for US rental property in 37 states. Not everyone will qualify.
Do I need US credit?
Not always. Program rules vary, so I check yours on the first call.
Do I need a Social Security number?
No. These programs are made for buyers without one.
Can I buy in an LLC?
Often yes, and in Montana it's required.
Ready for the next step? Take my 2 minute qualify quiz, run the numbers on my DSCR calculator, send me your scenario through the contact form, or apply now. You can also text me at (207) 615-7770 or email Travis@travis.mortgage.
Travis Penny
Does the rent cover the payment?
Enter the rent and the full monthly payment to see the DSCR on a property before you make an offer.
Run your numbers