ITIN Loans for Investment Property
If you file taxes with an ITIN instead of a Social Security number, I can still arrange financing. For investment rentals I use DSCR and other investor ITIN programs in 37 states. For a primary or second home I do ITIN loans in Maine and Florida only. Not everyone will qualify.
ITIN DSCR for rentals
Qualify on the property rent. Some programs accept ITIN borrowers on investment property without a Social Security number.
Primary or second home
Maine and Florida only for owner occupied ITIN loans. Florida also has FHA style ITIN options on my Florida ITIN page when they fit.
What you usually need
ITIN letter, tax returns or alternative income docs the program allows, credit or credit alternatives, down payment and reserves.
Where
Investment: 37 states on my Licensing page. Primary and second: Maine and Florida only.
Frequently asked questions
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. See my foreign national DSCR page.