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Foreign national DSCR - what countries do US lenders actually approve?

Liam K. (UK) · May 3, 2026 · 213 views

I am a UK citizen living in London, no US presence. Looking at a single-family rental in Tampa for around $420k. Some lenders I called in the US said yes, others said no foreign nationals at all.

What countries are actually approved for foreign national DSCR? Is the UK considered Tier 1 or are we lumped in with everyone else? Trying to figure out if my pricing is going to be brutal or reasonable.

Replies

2 replies

Arin B. May 3, 2026

UK is firmly Tier 1 - some of the cleanest foreign national files we underwrite, partly because UK Experian data is deep and the legal cooperation is strong. Pricing for a UK borrower at 65-70% LTV in 2026 lands in the 7.75-8.25% range.

Approved countries: most of the EU, UK, Canada, Australia/NZ, Singapore, Japan, UAE, most of Latin America. Restricted: OFAC list. Happy to run a quick file - (818) 447-7035.

Marcus R. May 3, 2026

I am Canadian and closed on a Tampa property in 2025. Pricing was 0.5-0.75% above what a US borrower would have gotten. Closing was at the US consulate in Toronto - very straightforward.

Foreign national DSCR - what countries do US lenders actually approve?

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