If you file taxes with an Individual Taxpayer Identification Number (ITIN) rather than a Social Security number, you can still finance U.S. rental property. An ITIN DSCR loan qualifies on the rental property's income, so the path doesn't depend on traditional income documentation.
How It Works
Built for ITIN holders often shut out of conventional financing; investment/business-purpose property; LLC vesting available; requirements and leverage vary by program.
DSCR loans are business-purpose financing for non-owner-occupied investment property. Terms vary by program and are subject to qualification.
Frequently Asked Questions
Can I get a mortgage with an ITIN?
For investment property, yes; ITIN DSCR programs qualify on the property's income.
Do I need a Social Security number?
No, these programs are designed for ITIN holders.
Is this for a primary home?
No, DSCR loans are for non-owner-occupied investment property.