Foreign Nationals DSCR

We are a leading provider for individuals living abroad looking to purchase or refinance property in the United States. Our Foreign National home loan program features a flexible alternative documentation process with practical guidelines to increase borrower eligibility. Our main priority is to ensure that every foreign national borrower has access to financing options. We offer a Debt Service Coverage Ratio (DSCR) program, allowing foreign national borrowers to qualify for a loan using the rental income from the property, eliminating the need for personal income verification.

  • Loans available up to $2 million
  • Cash-out options permitted
  • Debt Service Coverage Ratio (DSCR) less than 1 requires a minimum FICO score of 680 or no FICO score
  • One bank reference letter required
  • Overseas assets accepted as reserves
  • Gift funds permitted

Borrowers do not need to have a U.S. income in order to qualify for a Foreign National loan. This means that individuals living abroad who are interested in purchasing or refinancing property in the United States do not need to have an established income history in the U.S. to be eligible for a loan. This flexibility allows foreign national borrowers to still access financing options even if they do not have an income stream in the United States. By not requiring U.S. income docs, the loan process becomes more accessible and inclusive for individuals from around the world who are looking to invest in U.S. real estate. This opens up opportunities for foreign national borrowers to achieve their property ownership goals without the barrier of needing a U.S. income.

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