Buy and finance US rental property as a non-resident. No SSN, no US credit, no US tax returns required. Foreign passport + proof of funds is enough to start. We close from anywhere in the world.
Investment property only · No US credit needed
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Foreign national DSCR loans qualify on the property's rental income, not the borrower's income. That's why no US tax returns or US credit are required.
You identify the US investment property and provide your foreign passport, proof of funds (bank statements showing the down payment + reserves), and a credit reference from your home-country bank. No SSN, no W-2, no US tax returns.
The lender qualifies the loan on the property's projected rental income divided by the proposed mortgage payment + taxes + insurance. Hit 1.0+ DSCR and you qualify standard. We have programs that price below 1.0 with stronger down payment.
You can close remotely using a US embassy / consulate notarization, an apostilled signature, or fly to the US for a 1-day closing trip. Most foreign borrowers prefer to fly in to tour the property and meet the team.
Most US banks won't touch a foreign national loan. We've vetted the 8–10 wholesale lenders that genuinely program for foreign nationals and shop your file across all of them to find the best LTV/rate combination.
We accept foreign credit references in lieu of a US FICO score. A simple letter from your home-country bank stating account history and standing is usually enough. For Tier 1 countries (UK, Canada, Germany), we can pull foreign credit bureau reports.
English, Spanish, Mandarin natively. Hindi, Portuguese, Tagalog via partners. We've closed deals with borrowers in 30+ countries — you won't be our first foreign national, regardless of where you live.
US embassy notarization, apostilled docs, or in-person 1-day closing trip. We handle the logistics so you can close from London, Mumbai, Sao Paulo, or Tokyo without flying twice.
Most foreign national investors hold US property in a US LLC (Wyoming or Delaware) for asset protection and tax planning. Our loans accept LLC ownership at no extra cost. We can refer you to a US attorney for setup.
We qualify the deal on the property, not your country's economy or political risk. As long as the property cash flows and you have the down payment, your country of residence is essentially a paperwork detail.
Foreign national loans require a different document set than US-resident DSCR loans. The good news: it's a shorter list.
If your country isn't listed, ask. We've placed loans from a wide range of origins — including some unusual ones. The only categorical exclusions are countries under active US Treasury OFAC sanctions.
| 2026 Foreign National DSCR Program Overview | |
|---|---|
| Loan amount | $150,000 – $5,000,000+ |
| Maximum LTV | Up to 75% (purchase) · 70% (rate-term refi) · 65% (cash-out refi) |
| Minimum down payment | 25% (Tier 1 countries, strong credit) up to 40% (higher-risk countries, no credit) |
| Interest rate | From 7.25% (typically 1.0–1.5% above US-citizen DSCR pricing) |
| Minimum DSCR | 1.0 standard · below 1.0 OK with stronger down payment |
| Credit requirement | Foreign credit reference OR 3 alternative tradelines OR foreign credit bureau report (where available) |
| Income documentation | None on borrower. Property's projected rental income qualifies the loan. |
| Eligible property types | SFR, 2–4 unit multifamily, 5+ unit multifamily, condos, condotels, mixed-use |
| Ownership structure | Personal name OR US LLC (Wyoming / Delaware preferred for asset protection) |
| Term | 30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available |
| Reserves required | 6–12 months PITIA in liquid reserves (US or foreign bank) |
| Closing logistics | Remote close (embassy notarize / apostille) OR in-person US closing trip |
| Time to close | 30–45 days typical (longer than domestic due to international wires + notarization) |
Rates and terms subject to change. Final terms determined at underwriting. Brokered by United Trust Mortgage, NMLS #2591548. Loan products offered through participating wholesale lenders. Restrictions apply. Investment property loans for business purposes only. Equal Housing Opportunity. We comply with US Treasury OFAC sanctions and BSA/AML regulations — some countries excluded.