Foreign nationals
DSCR loans for foreign nationals
Buy or refinance a US rental property without US income, tax returns or residency. The loan qualifies on the rent and closes in your LLC or corporation.
- Up to 65% LTV
- No US tax returns or income documents
- 30 years, fixed or ARM
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We’ll review your deal and call you back. If it’s urgent, call 310-654-1577.
Foreign national DSCR terms
- Loan amount
- $75K – $2M
- Purchase or rate-and-term
- Up to 65% LTV
- Cash-out refinance
- Up to 60% LTV
- DSCR minimum
- 1.05 rent divided by the monthly payment
- Term
- 30 years fixed, ARM or interest-only options
- Reserves
- 12 months of payments
- Borrower
- LLC or corporation
- Properties
- 1–4 unit rentals, warrantable condos
Program maximums for non-owner-occupied rentals. Not a commitment to lend. Program guidelines current as of November 2026.
How a foreign national gets a US rental loan
A DSCR loan qualifies on the property, not on you: the monthly rent divided by the monthly payment of principal, interest, taxes, insurance and HOA must be at least 1.05. That’s why you don’t need US income, US tax returns or a US job.
You buy through an LLC or corporation, which you can form in the US before closing. The loan is up to 65% of the property’s value, and you keep 12 months of payments in reserve in a bank or brokerage account.
What the numbers look like
One example rental:
| Example purchase | Amount |
|---|---|
| Purchase price | $500,000 |
| Loan at 65% | $325,000 |
| Your down payment | $175,000 + closing costs |
| Monthly rent | $3,400 |
| Monthly payment with taxes and insurance (PITIA) | $2,900 |
| DSCR = $3,400 ÷ $2,900 | 1.17, above the 1.05 minimum |
| Reserves: 12 × $2,900 | $34,800 |
Illustration only.
What you’ll need
- A valid passport
- An LLC or corporation as the borrower (it can be formed before closing)
- Funds for the down payment and closing costs, plus 12 months of payments in reserve
- Bank or brokerage statements showing those funds
- A lease, or the appraiser’s market rent for a vacant purchase
Fix, build or bridge as a foreign national
Foreign nationals can also use our short-term fix and flip, construction and bridge loans with a valid passport and US visa (travel and student visas don’t qualify unless you’re in the Visa Waiver Program). Own several rentals? A portfolio loan puts 2 to 10 under one loan, also up to 65% LTV.
Foreign national loan questions
Can a foreign national get a mortgage in the US?
For investment property, yes. A DSCR loan qualifies on the rent, up to 65% LTV, closed in your LLC or corporation.
What down payment do I need?
At least 35% of the price, plus closing costs and 12 months of payments in reserve.
Do I need US income or tax returns?
No. The loan qualifies on the property’s rent.
Can I buy through a US LLC?
Yes. The loan closes in your LLC or corporation, and you can form it before closing.
Can I live in the property or rent it short term?
These are business-purpose loans for long-term rentals on 12-month or longer leases. For a home you’ll use yourself, see foreign national loans at West Coast Capital Mortgage.
Which states can I buy in?
Many states, including California, Florida and Texas. Check availability for your property.
Other loan programs
Buying a US rental from abroad?
Send the address, the price and the expected rent. You’ll hear how much the property supports and how much cash you need.