Buying a U.S. rental property from abroad
Plan your U.S. rental purchase from overseas: financing review, property selection, funds, documents, underwriting and closing.
Read the guideINVESTOR GUIDES
A better-informed U.S. investment.
From your first quote to closing: understand the loan process, no-U.S.-credit options, visa and ownership questions, U.S. closing funds and commercial financing.
A GOOD PLACE TO BEGINInternational investor guide Prepare for your quote Understand your options Ownership planning Rental strategy guide Plan your cash to close From first scenario to closing Know what to prepare New to U.S. borrowing Investing from abroad Individual ownership is an option Prepare funds for settlement Understand the property review Beyond the individual rental property
Choose your next step.
01 / FOLLOW THE PROCESS
From first conversation to closing
Understand each stage, who handles it and what to prepare next.
02 / KNOW THE REQUIREMENTSStart without the usual assumptions
No U.S. credit score, visa or U.S. company required for available foreign national DSCR options.
03 / PREPARE YOUR FUNDSGet your U.S. account ready
Plan account ownership, international transfers and documented closing funds.
Foreign national mortgage document checklist
Prepare identity, rental-property and asset documents for foreign national DSCR financing. No U.S. credit score, U.S. visa or U.S. company is required for available options.
Read the guideDSCR and ITIN mortgages: which path fits?
Learn how rental-income qualification, foreign national eligibility and ITIN mortgage options differ, including the importance of intended occupancy.
Read the guideFinancing a U.S. rental property through an LLC
Questions foreign investors should ask before using an LLC for a DSCR loan, from lender eligibility and ownership records to signing and title.
Read the guideDSCR financing for short-term rental investments
Understand short-term rental income documentation, projections, operating expenses and foreign national eligibility before requesting a DSCR quote.
Read the guideBudgeting for a U.S. rental-property purchase
Separate down payment, closing costs, reserves and currency-transfer planning when budgeting for a foreign national DSCR purchase.
Read the guideThe 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 guideForeign national DSCR loans without a U.S. credit score
Explore foreign national DSCR financing without a U.S. credit score and learn which borrower, rental-property and asset information to prepare for review.
Read the guideU.S. investment-property financing without a U.S. visa
A U.S. visa is not required for available foreign national DSCR options. Plan identity documents, property review, U.S. closing funds and signing from abroad.
Read the guideForeign national mortgage financing without a U.S. company
A U.S. company is not required for available foreign national DSCR loans. Learn how individual ownership, optional LLCs and a U.S. closing account fit the process.
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 guideAppraisals and rental income for foreign national DSCR loans
Learn how value, leases, market rent, short-term rental evidence and housing-payment assumptions affect a foreign national DSCR mortgage review.
Read the guideCommercial loans for foreign national real estate investors
Prepare a commercial financing scenario for U.S. multifamily, mixed-use or business property and connect with The Mortgage Calculator and Get Commercial Capital.
Read the guideNo guides match. Try another word or ask our loan team.
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.
LET’S MAKE YOUR NEXT MOVE
Explore my financing optionsYour next investment starts with a conversation.
Tell The Mortgage Calculator about your property and your goals. We’ll help you explore the right financing path.