Foreign National DSCR Loans
A foreign national DSCR loan lets someone who lives outside the US buy or refinance a US rental property based on the rent it brings in. I do these for investment properties in 37 states. Not everyone will qualify.
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 is the focus.
What do foreign nationals usually 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 and rental property only.
Where can you buy?
37 states. I don't do DSCR in California or Rhode Island, and Montana is LLC only.
Frequently asked questions
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 for a foreign national mortgage?
Not always. Program rules vary, and I will tell you exactly what yours needs.
Do I need a Social Security number?
No. Foreign national programs are made for buyers without one.
Can I buy in an LLC?
Often yes, and in Montana it's required.