A foreign national loan is a U.S. mortgage designed for non-citizens or overseas investors, allowing them to purchase American real estate without a U.S. credit history. These loans often use alternative underwriting (like asset verification or DSCR) and cater to buyers seeking investment properties, second homes, or relocation financing.
Designed for global buyers, this program offers competitive rates with flexible qualification—using international income, 30-40% down payments, and alternative credit review. Whether you’re investing or relocating, discover how our cross-border mortgage solutions streamline the process from pre-approval to closing.
DSCR loans emphasize the performance of the investment property, allowing borrowers to avoid complex personal income documentation. This makes the process quicker and less invasive.
These loans are ideal for self-employed individuals, seasoned investors, or those with non-traditional income sources. Personal income isn’t the focus—it’s all about the property’s cash flow.
Whether you’re buying your first rental property or expanding an existing portfolio, DSCR loans provide scalable solutions tailored to investment growth.
DSCR loans often come with attractive terms, including competitive interest rates and flexible down payment options, making them an excellent choice for long-term real estate investments.
From single-family homes to multifamily properties and commercial real estate, DSCR loans can be used for a wide range of property types.
The property’s DSCR must meet or exceed the lender’s minimum requirement, often around 1.0 or higher. A DSCR of 1.25, for example, indicates that the property generates 25% more income than needed to cover debt service.
Most lenders require a down payment of 20% to 25%, depending on the property type and borrower’s profile.
While DSCR loans are property-focused, a minimum credit score (usually around 620-680) is typically required to demonstrate financial responsibility.
A professional appraisal is necessary to confirm the property’s value and potential income, ensuring it aligns with the lender’s standards.
Lenders often require reserves, such as six months’ worth of mortgage payments, to demonstrate financial stability.
For existing properties, you’ll need to provide rental income documentation, such as leases or a rental history. For new purchases, projected rental income estimates may be required.
Drivers License, Passport, etc.
To show enough funds for down payment, closing costs and reserves.
For primary residence (if applicable)
Articles of Incorporation, Operating Agreement, Tax Identification Number, Certificate of Good Standing
A recent quote for the subject property.
A Foreign National loan can be an excellent fit for investors who:
Ready to leverage the power of a Foreign National Loan for your business purpose investments? Contact us today to learn more about how this innovative financing option can help you achieve your real estate goals. Let’s build your future, one property at a time!
A DSCR loan (Debt Service Coverage Ratio loan) is financing based on a property’s income, not your personal earnings. Lenders check if the property’s cash flow (NOI) can cover the loan payments by calculating the DSCR ratio. A ratio of 1.0 or higher means it’s a good fit. Perfect for investors relying on rental income
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A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
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ITIN loans provide a path to homeownership for non-U.S. citizens and residents who don’t have a Social Security number (SSN) but have an Individual Taxpayer Identification Number (ITIN). These loans allow borrowers to purchase, refinance, or renovate properties using their ITIN instead of an SSN, making homeownership accessible to immigrants, foreign nationals, and undocumented individuals who pay U.S. taxes.
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Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
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