No U.S. credit score required.
Available foreign national DSCR options let you start without an established U.S. credit score.
Explore the credit optionsGLOBAL AMBITION. U.S. OPPORTUNITY.Your next investment.
Mortgage Calculator Company LLC
NMLS #2377459
Your next investment.
A U.S. address.
Foreign national DSCR loans for U.S. rental properties. No U.S. credit score, U.S. visa or U.S. company required for our available programs.
Already living in the U.S.? Explore our ITIN mortgage options.
Mortgage Calculator Company LLCNMLS #2377459
International perspective.
Local lending expertise.Foreign national & ITIN options
Local lending expertise.Foreign national & ITIN options
FOREIGN NATIONAL DSCR · THE ESSENTIALSYour investment can start
Your investment can start
from where you are.
The Mortgage Calculator offers foreign national DSCR programs with these features. We review your property, identity, rental income and available funds for the right fit.
No U.S. visa required.
You can explore financing while living abroad without obtaining a U.S. visa for the loan.
Read the no-visa guideNo U.S. company required.
You do not need to form a U.S. LLC or corporation to qualify for the available programs.
Compare ownership pathsA U.S.-based account.
Funds for closing must come from a U.S.-based account. Plan the transfer and documentation with your loan officer.
Prepare your closing fundsThese features describe available foreign national DSCR options. Down payment, reserves, property eligibility and documentation depend on the selected program. Read the requirements guide.
A PATH FOR YOUR PLANSWhere you live is only
Where you live is only
part of the story.
Start with how you intend to use the property. We’ll help you navigate borrower eligibility, rental income and the documentation that fits.
Foreign national
DSCR loans
Explore financing for a U.S. rental property with qualification centered on eligible property income.
- Purchase or refinance
- Business-purpose rental investments
- Foreign national scenario review
ITIN mortgage
options
Already in the U.S. and using an ITIN? Review a path that matches your occupancy and financial profile.
- Eligible ITIN borrowers
- Primary home or other eligible uses
- Documentation reviewed individually
Guidance across
the details
Get clarity on documents, funds, rental strategy and ownership before making your next commitment.
- Foreign document checklist
- LLC and rental considerations
- Cash-to-close planning
LET THE PROPERTY TELL ITS STORYA rental investment.
A rental investment.
A different way to qualify.
A residential DSCR loan looks at qualifying rental income in relation to the property’s housing payment.
Your investment’s rental income can be the basis for qualification instead of personal employment income. Credit, assets, identity, property eligibility and other program requirements still apply.
Explore DSCR programs at The Mortgage CalculatorUNDERSTAND THE MATH
DSCRQualifying monthly rent
÷ monthly housing payment
÷ monthly housing payment
The housing payment generally includes principal, interest, property taxes, insurance and applicable association dues. The selected lender’s calculation controls.
Try the DSCR calculatorPlanning tool only. A ratio is not a loan approval or a measure of net investment profit.
THINKING BEYOND A RENTAL HOME?Commercial plans.
Commercial plans.
The same financing team.
Explore commercial real estate, multifamily, fix-and-flip projects, construction and investor credit through Get Commercial Capital, another website operated by The Mortgage Calculator.
Tell us you are a foreign national so the team can review the programs that fit your property, ownership and experience.
GROW YOUR U.S. INVESTMENT PLANSMore property types.
More property types.
More ways to finance.
- Commercial real estate & multifamily
- Fix-and-flip financing
- Ground-up construction
- Investor lines of credit
Commercial programs have their own borrower and property requirements. The foreign national DSCR features above do not apply automatically to every commercial product.
FROM IDEA TO APPLICATION
A clear route forward.
Work directly with The Mortgage Calculator through each financing milestone.
01
Share your scenario
Tell us the property state, intended use, price range and whether you live in the U.S. or abroad.
02
Explore the fit
A loan professional reviews your borrower profile, rental strategy, available funds and current program options.
03
Prepare to proceed
Receive the applicable checklist and use the company’s secure application and document process.
THE INTERNATIONAL INVESTOR’S LIBRARYGood decisions start
Browse all investor guides Good decisions start
with better information.
The foreign national mortgage process, step by step
Follow the foreign national DSCR mortgage process: scenario review, property evaluation, application, appraisal, underwriting, U.S. closing funds and signing.
Read the guideForeign national mortgage requirements for U.S. rental investors
No U.S. credit score, U.S. visa or U.S. company is required for available foreign national DSCR options. Learn about property, documents and U.S. closing funds.
Read the guideU.S. bank accounts and closing funds for foreign national loans
Funds for closing must come from a U.S.-based account. Plan account setup, source records, currency conversion, transfers and final settlement instructions.
Read the guideYOUR NEXT CHAPTER
Let’s talk about your U.S. property.
Start with the form below. Your request goes through The Mortgage Calculator’s existing application process.
For an investment DSCR request, select Investment in the company form. Tell the team that you are a foreign national and mention ForeignNational.Mortgage.
Loading The Mortgage Calculator’s form…
Complete the company form and its consent terms to submit your request. If it does not display, open it in a new tab or call our team. Read the company privacy policy. Upload identification and financial records only through the secure process your loan officer provides.
YOUR QUESTIONS, ANSWERED
Clear answers. A confident next step.
Have a different question? Talk with The Mortgage Calculator.
Can a foreign national get a DSCR loan for a U.S. rental property?
The Mortgage Calculator offers foreign national financing options that may use an eligible investment property’s rental income for qualification. Eligibility depends on the borrower, property, location, documentation and selected lender program.
Do I need a U.S. credit score?
No. The Mortgage Calculator offers foreign national DSCR options that do not require a U.S. credit score. Your loan officer will explain any alternative credit or financial-background documentation for the selected program.
How is a DSCR loan different from an ITIN mortgage?
DSCR describes property-income qualification for an investment loan. ITIN programs are options for eligible borrowers using an Individual Taxpayer Identification Number. Intended occupancy and the chosen lender’s guidelines determine which path fits.
Can I use this DSCR path for a home I will live in?
The business-purpose DSCR path featured here is for non-owner-occupied rental investments. If you plan to live in the home, ask about appropriate ITIN or other home-loan options.
Where does my quote request go?
The embedded form is served by The Mortgage Calculator and uses its existing application process. Complete that form and its consent terms to submit. You can also open the company form directly or call the team.
Do I need a U.S. visa to qualify?
No. A U.S. visa is not required for the available foreign national DSCR programs. The lender still verifies your identity and documentation, and your signing method must be arranged with the lender and settlement agent.
Do I need to form a U.S. company or LLC?
No. You do not need a U.S. company or LLC for the available foreign national DSCR options. Personal ownership is an option; if you prefer entity ownership, discuss the structure with the loan team before forming a company or changing the contract.
Where do my closing funds need to come from?
Funds for closing must come from a U.S.-based account. Coordinate account ownership, transfer documentation and timing with your loan officer before moving funds. Keep the source and transfer records available for review.
Can foreign national investors explore commercial loans too?
Yes. Ask The Mortgage Calculator about commercial real estate, multifamily, fix-and-flip, construction and investor financing through Get Commercial Capital. Foreign national eligibility and documentation are reviewed separately for each commercial program.