Foreign national DSCR loans for U.S. rental properties

Explore U.S. investment-property financing without a U.S. credit score, U.S. visa or U.S. company. Closing funds must come from a U.S.-based account.

Request my investor quote

What a foreign national DSCR loan does

A DSCR loan evaluates qualifying rental income against the housing payment specified by the lender. It can provide an investment-property financing path when a traditional U.S. employment-income mortgage does not fit an international borrower.

The Mortgage Calculator offers foreign national financing and DSCR investor programs. Your borrower profile and property must fit the same available program; eligibility for one feature does not automatically establish eligibility for the combination.

The foreign national requirements that matter first

A U.S. credit score, U.S. visa and U.S. company are not required for our available foreign national DSCR programs. You can request an initial review while living abroad and consider ownership in your own name.

Funds for closing must come from a U.S.-based account. Plan account ownership, transfers and supporting records with your loan officer. Identity, property, rental income, down payment and any required reserves are reviewed for the chosen program.

A review focused on the whole investment

Start with the purchase or refinance purpose, property state, expected price or value, rental strategy and available funds. Tell the team whether you plan to hold the property personally or through an entity.

Rental income is central to qualification, but it does not replace a review of identification, credit, assets, appraisal, property condition, title, insurance or other required items. Required down payment, reserves, loan amount and terms vary with the scenario.

Long-term rentals, short-term rentals and entities

A single-family rental, eligible condominium or small residential income property can involve different requirements. Short-term rental income needs its own documentation review. A U.S. company or LLC is not required for the available individual-borrower options. If you prefer entity ownership, confirm the structure with the lender.

Describe the actual use. This business-purpose DSCR path is for non-owner-occupied rental investment property. If you intend to live in the home or use it as a second home, ask about an appropriate alternative.

What to prepare for a useful conversation

Have the property location, transaction purpose, approximate price, expected rent and available funds in mind. A U.S. credit score is not required for the available foreign national programs. Tell us whether your closing funds are already in a U.S.-based account or need to be transferred.

Discuss your country of residence and any relevant borrower documentation directly with the loan team. Use the secure application or borrower portal for identification and financial records when requested.

Sources & further reading

Program references checked November 11, 2026. The selected lender’s current guidelines and your individual review determine eligibility.

YOUR 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.

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.

Does the calculator show the maximum loan I can receive?

No. The calculator illustrates a rental-income ratio from the inputs you choose. Loan-to-value, credit, reserves, property type, location and lender-specific rules also affect eligibility and the available loan amount.