Can I get a DSCR loan with an ITIN?

Yes, some investor programs accept ITIN borrowers on rentals in the states I cover. Not everyone will qualify.

Can I buy a primary home with an ITIN outside Florida?

For owner occupied ITIN loans I work Maine and Florida. Ask me before you write an offer elsewhere.

ITIN programs are built for borrowers without one.

Not always. Foreign national buyers who live abroad are a different path.

12.4 business day average to clear to close

By Travis Penny, mortgage broker · Last reviewed October 15, 2026

Last updated October 15, 2026

Start on my ITIN investment loans page. Florida primary buyers should also read ITIN mortgage loans in Florida.

Investment DSCR ITIN can work in the 37 states I cover for DSCR. Owner occupied ITIN is Maine and Florida only.

Can I get a DSCR loan with an ITIN?: Yes, some investor programs accept ITIN borrowers on rentals in the states I cover. Not everyone will qualify.
Can I buy a primary home with an ITIN outside Florida?: For owner occupied ITIN loans I work Maine and Florida. Ask me before you write an offer elsewhere.
Do I need a Social Security number?: ITIN programs are built for borrowers without one.
Is foreign national the same as ITIN?: Not always. Foreign national buyers who live abroad are a different path.

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.