No U.S. tax returns on most programs
Most programs review rental income rather than U.S. employment or tax-return income. Many provide paths without U.S. credit history or an SSN; an ITIN does not itself prevent review.
Foreign national DSCR financing
Finance a U.S. rental property without a U.S. income history
Foreign national DSCR programs finance U.S. investment property primarily on rental income. Most do not require U.S. tax returns, U.S. credit history or an SSN.
- Purchase equity
- 25-30% down payment
- Common loan range
- $100,000-$2.5 million
- Transactions
- Purchase, rate-term and cash-out
- Property location
- Nationwide
Property scenario
Start with what you know today
About two minutes. No credit pull or document upload at this stage. Every situation can be submitted.
Takes less than 2 minutes. No credit pull at this stage.
Reviewed personally by Chad Evers, NMLS #2822744.
How it works
The property leads the analysis
DSCR compares expected rent with housing expense. Property type, rent, taxes, insurance, association dues, loan amount and transaction purpose shape the program path. Guidelines vary by lender and program.
Purchase or refinance
Submit purchase, rate-term or cash-out scenarios. Property type, use, state and requested loan amount are reviewed together.
Living abroad or in the U.S.
Borrowers living abroad and those living in the U.S. on a visa can submit. Residency affects documents, credit references and funds-transfer review.
Ownership structure
Map the entity before the loan path
A U.S. LLC can be part of the structure, but its ownership chain matters. Programs may treat an LLC owned directly by individuals differently from one owned by a foreign company, holding company or trust.
Share how title will be held and who owns each entity. Guidelines vary by lender and program.
Documents
What is commonly reviewed
If needed later, documents may include:
- Valid passport and residency or visa information
- Purchase contract or current property details
- Lease information or a market-rent estimate
- Source-of-funds, down-payment and reserve documentation
- Entity documents when an LLC, company or trust is involved
Next step
What happens after submission
Chad reviews the property, loan amount, residency path and ownership structure. Timing varies with appraisal, title and document readiness.
Chad Evers
One accountable advisor
Reviewed by a person, not routed to a call center
Chad Evers, NMLS #2822744, reviews each scenario and brings approximately 20 years of institutional lending experience. Loans are originated through Focus Home Mortgage Inc. NMLS #2769672. Viador Partners is an advisory platform, not a lender or mortgage brokerage.