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.

Frequently Asked Questions

With DSCR loans for foreign nationals, the property does most of the talking. Lenders review current or projected rent, operating expenses, and overall cash flow to see if the numbers work. Personal income verification is usually not part of the approval process.

No. Foreign national property loans can apply to a range of income-producing properties, including small multifamily units like duplexes and triplexes. The primary consideration is whether the rental revenue matches the statutory debt coverage, not the size of the facility.

In many cases, a US credit score is not required for Foreign national DSCR loans. Lenders may instead review overseas banking relationships, asset documentation, or alternative credit references to get a broader picture of borrower reliability.

Foreign national DSCR loans are often used by overseas investors seeking exposure to the US rental market without showing US income or residence. If the property produces steady rent and meets DSCR guidelines, this loan structure can be a practical solution.