DSCR Loans for Foreign Investors: ITIN & Non-US Citizen Guide
Updated: October 4, 2024•11 min read•By Capital Bridge Solutions Team
Foreign nationals and non-US citizens can invest in American real estate using DSCR loans. With an ITIN (Individual Taxpayer Identification Number) and strong rental income, international investors can access the same financing opportunities as US citizens—no SSN required, no US credit history needed.
Why Foreign Investors Choose DSCR Loans
- No SSN Required: ITIN is sufficient for qualification
- No US Credit History: Qualify based on property income
- No Income Verification: Foreign income not required
- Fast Approval: 24-48 hours with proper documentation
Foreign Investor Requirements
Required Documents
- • ITIN (Individual Taxpayer ID)
- • Valid passport
- • Proof of down payment funds
- • Property rental income documentation
- • US bank account (can be opened)
Loan Terms
- • Down Payment: 25-30%
- • Credit Score: Not required
- • DSCR Ratio: 1.0+ preferred
- • Rates: 7.5-10% typical
- • Terms: 30-year fixed available
Ready to Invest in US Real Estate?
Get pre-approved as a foreign investor. We specialize in ITIN loans and international buyer financing.