Our DSCR product allows foreign nationals to qualify for investment properties using foreign credit or a combination of foreign credit and U.S. credit. Self-employed borrowers can submit 12 months of bank statements instead of tax returns, making the process easier and more accessible. With no FICO required, personal income or employment analysis, or DTI, the requirements are simplified for a smoother experience.
The DSCR minimum of 1.00 ensures that borrowers have enough income to cover the debt service on the property. This product is designed to provide flexibility and options for those who may not meet traditional lending criteria. By offering alternative ways to qualify, we aim to make the process more inclusive and accommodating for a wider range of foreign national borrowers.
If you are a foreign national looking to invest in the U.S. market or a self-employed individual seeking mortgage financing for an investment property, our DSCR product is the mortgage program that fits this scenario. With no personal income or employment analysis required, the focus is on the property’s ability to generate income and support the loan.
Contact us today to learn more about how our DSCR loan program benefits our foreign national borrowers.
