Can foreign investors get a US DSCR loan?
No SSN, US credit or green card needed: the property’s rent qualifies the loan, and closings are remote in most states.
| Requirement | US borrower | Non-US investor |
|---|---|---|
| Identification | SSN | Passport |
| Credit file | US FICO | Home-country report (3 trade lines, 2 years) |
| Max LTV — purchase | 80% | 70–75% |
| Max LTV — cash-out | 75% | 60–70% |
| Rate add-on | None | +175–225 bps |
| Title vesting | Individual or entity | US LLC + EIN |
Unchanged either wayWhat qualifies the loan, documents, reserves
- What qualifies the loan
- The property's rent against its payment
- Personal income documents
- None
- Reserves
- Set by loan size and program, not by residency
Every reason you think you can't — answered.
Check your buying power. Notice there's no income field.
Set your expectations up front.
Single-family, 2–4 units, and many condos — long-term and short-term (Airbnb) rentals. Ranges, not guarantees: your numbers, taxes, insurance, and the lender set the real figure.
Your exact terms by profile
The rate add-on is the ID, no-US-credit and no-visa adjusters summed on a preferred-tier country; an enhanced-due-diligence country adds up to 75 bps more and takes 5 points off each cap. It is an investment, non-QM (non-Qualified Mortgage) loan, which carries a premium over owner-occupied conventional: the property’s coverage, your leverage and your reserves are what move it.
Entity vesting (US LLC) is required.
At sale: FIRPTA
At sale (FIRPTA): 15% of the gross sale price is withheld — ≈$84,000 on a $560,000 sale. Apply for a withholding certificate (Form 8288-B) to free up the excess over the ~$16,800 actually owed on the gain. Refinancing (rate-term or cash-out) is not a sale — no FIRPTA.
Estate-tax exposure
Estate-tax exposure: non-resident aliens get only a $60,000 US estate-tax exemption (vs $15M (2026) for citizens) — so ≈$500,000 of a $560,000 property is exposed, up to ≈$200,000 at the 40% rate if the owner passes while holding it personally. Holding through a properly structured entity can change the situs analysis — plan this with a cross-border tax advisor.
Federal tax rules (OBBBA bonus depreciation, §1250 recapture) as of June 1, 2026. Verify current rates before relying on it.
Four steps. You never have to fly here.
- 01
Check your buying power
60 seconds, no credit pull — see your likely loan, rate, and payment.
- 02
We structure the fileConcierge · via partner
Your country and deal are matched against the DSCR program rules — plus your LLC + US bank if you need them.
- 03
Upload documents digitally
Passport, the property, and simple financials. No fax, no mail.
- 04
Close remotely
Appraisal, then final review, then a remote signing — available in most states. Then do it again for the next property.
Our tools price and structure the deal. A person still walks it with you, in your language, from your first question to the keys: someone who has taken a non-US file through closing before and tells you what the property has to prove.
Read next:Get the Non-US Investor DSCR GuideDSCR loan requirementsForeign nationals and ITIN borrowers: how DSCR qualification actually worksWhat documents do you need for a DSCR loan? The complete checklist
Ready to apply?
Tell us about the loan you want. We don’t pull your credit when you submit, and nothing here is an approval or a commitment to lend.
Prefer to write it down? Send the scenario with your country and preferred language in the notes.
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