U.S. mortgage options for international property buyers

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.

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Start with intended occupancy

A property you rent to tenants, a second home and a home you plan to occupy are different financing scenarios. Tell the loan team how the property will actually be used before selecting an application path.

Our main focus here is foreign national DSCR financing for business-purpose rental investments. The Mortgage Calculator’s broader foreign national program page also describes other eligible property uses; ask the team to review the correct option for your plans.

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.

Credit and documents can look different across borders

The Mortgage Calculator offers foreign national options with no U.S. credit score required. You can begin the review without first building U.S. credit; the loan team will explain any alternative credit or financial-background documents for the program.

Prepare to discuss identity and residency information, funds, credit references and the property. The selected lender determines acceptable documents, translation requirements and any additional conditions.

Plan for a coordinated closing

Funds for closing must come from a U.S.-based account. Ask early about account ownership, international transfer timing and the documents showing the source and movement of funds. Keep your down payment, closing charges and reserve budget distinct.

Confirm signing and notarization requirements with the lender and settlement agent before booking travel or arranging a power of attorney. Remote signing is transaction dependent.

A direct relationship with The Mortgage Calculator

ForeignNational.Mortgage is operated by Mortgage Calculator Company LLC d/b/a The Mortgage Calculator, NMLS #2377459. Our quote pages connect to the company’s existing application process.

The company’s current license information and disclosures are available on its main website. Availability depends on the property state and program. The company is not licensed or conducting business in New York.

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.

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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.

Is every international buyer considered the same by lenders?

No. Residency, credit, documentation, intended occupancy, property and other borrower factors affect the program review. Explain your circumstances to the loan team rather than relying on a broad label.