Identity and residency information
Prepare a current passport and a clear description of your country of residence. A U.S. visa is not required for the available foreign national DSCR options. Your loan officer will confirm the identification documents and any translations needed to verify the borrower.
If names differ across a passport, bank account, purchase contract or company record, identify the difference early and ask what supporting documentation is acceptable. For the initial quote request, describe your situation without entering passport, Social Security or ITIN numbers.
Assets and the source of transaction funds
Funds used for closing must come from a U.S.-based account. Organize statements for that account and the source accounts from which money will be transferred. Keep records connecting the original funds, currency conversion and deposit into the U.S. account. Ask about acceptable account ownership, statement periods and any required history before moving funds.
Separate the money intended for closing from assets that will remain available afterward. A large balance alone may not answer questions about ownership or the source of a recent deposit. Clear records can reduce follow-up requests.
- Statements for the U.S.-based account that will supply funds for closing, plus requested source-account records.
- Evidence explaining material transfers or recently received funds when requested.
- Information on other available assets for the lender's reserve review.
No U.S. credit score requirement
You do not need an established U.S. credit score for The Mortgage Calculator's available foreign national DSCR options. If other credit references or financial-background documents are requested for the selected program, your loan officer will identify them. Do not invent a score or select an inaccurate credit band to complete a form.
Property-based qualification still includes a borrower review. Identity, assets and the source of funds matter even when the lender does not require a U.S. credit score. If you are seeking a home to occupy or a different financing product, the loan team will explain that separate program's documentation.
Property and ownership records
For a purchase, have the address, contract, property type and intended rental use ready. Existing leases or operating statements may help the lender evaluate rental income. New rental properties and short-term rentals can require a different review from a property with an established long-term lease.
A U.S. company is optional for the available foreign national DSCR options. If you choose to borrow through an entity, ask which formation, ownership and signing-authority documents are needed. If you borrow individually, coordinate your own legal name across the contract, loan and title arrangements.
Keep the submission process organized
Request one current checklist from your loan officer and track each item by status. Preserve complete pages, legible scans and the original documents. Ask whether translations need a particular certification before paying for translation services.
Upload sensitive records only through The Mortgage Calculator's secure application or borrower portal. Do not place account numbers, identification numbers or document images in public comments or quote-summary fields. The final checklist and any additional conditions come from the lender reviewing the application.
Sources & further reading
Program references checked November 11, 2026. The selected lender’s current guidelines and your individual review determine eligibility.