WHAT IS A FOREIGN NATIONALS DSCR LOAN?
A DSCR (Debt Service Coverage Ratio) loan for Foreign Nationals helps non-U.S. citizens invest in U.S. real estate with limited documentation. These loans are typically used for income-generating investment properties.
FOREIGN NATIONALS DSCR
LOAN OVERVIEW:
The Foreign National DSCR loan is designed for international investors who want to purchase or refinance U.S. real estate without using personal income to qualify. Instead, eligibility is based entirely on the property’s cash flow, measured through a Debt-Service Coverage Ratio (DSCR) — typically 1.25 or higher.
Because there’s no employment or income verification required, this program is ideal for foreign borrowers with limited U.S. documentation. It removes many of the barriers that international buyers face and streamlines the loan process with fewer paperwork requirements.
Whether purchasing a short-term rental or long-term investment property, this loan gives foreign nationals the ability to build wealth through U.S. real estate — without the complexities of conventional income-based underwriting.
PROGRAM BENEFITS
- Loan amounts available up to $3 million, making this a great option for high-value investment properties
- Cash-out refinance is allowed, giving investors the flexibility to leverage equity for future opportunities
- No income or employment verification required — approval is based solely on property cash flow
- Foreign borrowers can qualify with limited or no U.S. credit history
- For loans with DSCR below 1.00, a minimum FICO of 680 or no U.S. credit score is required
REQUIREMENTS
- No Social Security number, U.S. residency, or green card is required
- Borrower can qualify with no FICO score or a minimum FICO of 660, depending on the DSCR and loan structure
- Up to 75% CLTV allowed, including both purchase and refinance
- Loan must be for an investment property only — primary residences are not eligible
- Property must meet a minimum rental income threshold, typically a DSCR of 1.00 or higher to qualify for standard terms
LOAN OPTIONS:
The Foreign Nationals DSCR loan is an excellent option for international buyers looking to invest in U.S. real estate without the typical documentation requirements of conventional loans.
Rather than verifying employment, income, or U.S. tax history, this program focuses solely on the property's rental income performance. If the property produces sufficient cash flow, financing is possible — even for borrowers with no Social Security number, residency, or U.S. credit.
This makes it especially attractive for non-resident investors building short-term rental portfolios or purchasing long-term income properties. With flexible credit requirements and cash-out availability, it’s a simplified, investor-friendly solution tailored to the needs of global buyers.
How Do You Qualify for a Foreign Nationals DSCR Loan?
Start by giving us a call at (213) 810-2091. Our team will walk you through the process and help determine if your investment property qualifies.
To be eligible, the borrower must be a non-U.S. resident using a valid passport or foreign ID. No Social Security number or U.S. credit score is required. Instead, the loan is based entirely on the property’s rental income — typically needing a DSCR of 1.00 or higher.
You’ll also need to meet minimum CLTV guidelines and provide standard documentation such as a valid visa or entry stamp, bank statements, and proof of foreign income or assets if needed. The property must be for investment use only.
HOW LOW WILL YOUR PAYMENT BE?