Yes, you can
Every reason you think you can't — answered.
I have no U.S. credit score.
You don't need one. These programs qualify on the property's rent, and a provider reviews your home-country financial history instead of a U.S. credit file.
No SSN or U.S. passport.
Your home-country passport is enough.
No U.S. job or W-2 income.
Irrelevant here — a DSCR loan looks at the property, not you.
I don't have a U.S. LLC.
We set you up with a U.S. LLC + EIN — fast, fully remote.Concierge · via partner
No U.S. bank account.
We connect you to a U.S. business account, remotely.Concierge · via partner
Moving money across borders scares me.
We connect you to an FX partner for the cross-border transfer.Concierge · via partner
I can't fly here to close.
You don't have to — closings are remote in most states.
Will my country be a problem?
Country of residence is checked against the program rules up front, before you spend time on documents.
Decided by the property, not your passport
Check your buying power. Notice there's no income field.
The property
Scroll over any field to adjust. Taxes & insurance estimated into the payment.
DSCR BELOW 1.00X
0.97x$4,000 rent ÷ $4,107 full payment. Rent falls short of the payment — raise rent or lower the loan to clear 1.00x.
75%
LTV (cap ≈75%)
$420,000
loan amount
$0
income docs
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 + U.S. 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.
What you'll likely qualify for
Set your expectations up front.
25–30%
down payment
of the purchase price
~1.0x+
DSCR to price best
rent against the payment
$100K–$2M+
loan size
depending on the program
6–12 mo
reserves
held after closing
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
PREFERRED
country risk tier
+225 bps
rate add-on over base
70% / 60%
max LTV — purchase / cash-out
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: non-resident aliens get only a $60,000 U.S. estate-tax exemption (vs $13.99M 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.
Screening guidance, not legal or tax advice. Entity vesting (U.S. LLC) required.
Software, plus someone who's done this before
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-U.S. file through closing before and tells you what the property has to prove.
The questions you're Googling.
Can a non-U.S. citizen really get a U.S. mortgage?
Yes — no citizenship or residency required. These are business-purpose investment loans on the property's income.
Do I need a U.S. credit score?
No. We review your home-country financial history; the property's rent is the qualifier.
How much down payment?
25–30% of the purchase price — the non-US purchase LTV caps in the published program rules are 70–75%.
What documents do I actually need?
Passport, the property / lease info, and basic financials. No U.S. tax returns or W-2s.
Can I hold the property in an LLC?
Yes — usually required. We help you form one through our formation partner.Concierge · via partner
Why is my rate higher than a U.S. citizen's?
It's an investment, non-QM loan — that carries a premium over owner-occupied conventional. The property's coverage, your leverage and your reserves are what move it.
Can I close without coming to the U.S.?
Yes — remote closing is available in most states.
Long-term and short-term (Airbnb) rentals — both?
Both. STR is underwritten on real projected nightly income (ADR × occupancy), not optimistic guesses.
Estimates only — not a loan commitment, approval, or offer of credit. For business-purpose, non-owner-occupied investment property. DSCR loan terms, rates, and eligibility vary by lender, property, and country of residence and change without notice.