Foreign Investor Loans
“International capital meets American real estate.”
Financing options for foreign nationals investing in US rental property. Some programs use DSCR, which generally evaluates whether the rental income a lender recognizes can support the property's debt obligation. Requirements vary by lender, and a licensed loan officer reviews the complete scenario.
Varies by program
Min Down
Varies by program
Min Credit
Varies by program
Max Loan
Down payment and credit requirements vary by loan program, credit profile, occupancy, and property type. All loans subject to credit approval and program eligibility.
Is This Loan Right for You?
This Loan is Perfect If You...
- Foreign national investing in US rental property
- Property expected to be used as a rental
- Able to provide the property, identity, and asset information the lender requests
- Understands that a ratio or estimate does not guarantee approval
This Might NOT Be Right If...
- Buying a primary residence (see the Foreign National program)
- Need owner-occupied financing
- Want an approval decision based only on an online ratio
- Need legal, tax, or immigration advice rather than mortgage-program guidance
Foreign Investor Loans Benefits
Everything you need to know about your benefits
Rental-Income Focus
Some DSCR programs review the rental income a lender recognizes instead of personal income documentation
International Borrowers Considered
Some programs consider non-US citizens; residency and documentation requirements vary by lender
Loan Amounts Vary
Available loan amounts depend on the program, property, and complete scenario
Entity Borrowing on Some Programs
Some programs may allow an eligible entity to borrow; legal and tax questions belong with your qualified advisors
Clear Document Next Steps
A licensed loan officer explains which documents the selected lender requests
How It Works
Your path to homeownership in just a few simple steps
Share the Property
Provide the property, rental plan, and transaction details
Review the Rental Income
A licensed loan officer explains how relevant lenders calculate DSCR
Confirm Ownership Questions
Confirm how title will be held; legal and tax questions go to your advisors
Complete the Application
Submit the lender-required information for a full review
Share the Property
Provide the property, rental plan, and transaction details
Review the Rental Income
A licensed loan officer explains how relevant lenders calculate DSCR
Confirm Ownership Questions
Confirm how title will be held; legal and tax questions go to your advisors
Complete the Application
Submit the lender-required information for a full review
What You May Need
Requirements vary by lender and program
Identity Verification
- Valid passport
- Foreign address verification
- US contact information
Visa and residency requirements vary by program
Property Documentation
- Rental-income support requested by the lender
- Lease agreement (if existing tenant)
- Property insurance quote
The lender defines the rental income it recognizes
Financial Requirements
- Proof of funds for the down payment
- Reserves, if the program requires them
- US bank account, if the lender requires one
Down payment and reserve requirements vary by program
Entity Questions
Some programs may allow an eligible entity to borrow. Whether to form or use an entity is a legal and tax decision, so review it with your qualified advisors.
Frequently Asked Questions
Common questions about Foreign Investor Loans
Last updated:
How does DSCR work for foreign investors?
A DSCR program generally compares the rental income a lender recognizes with the property's applicable debt obligation. Some programs are available to foreign nationals, but the lender can still review credit, assets, identity, the property, and the transaction. A ratio alone does not decide eligibility.
Do I need a US visa or residency?
Requirements vary by lender and program. Some investment-property programs do not require US residency, but identity, documentation, and closing requirements differ. A licensed loan officer confirms what the selected program requires. Immigration questions belong with a qualified immigration advisor.
What down payment is required?
Down payment, reserve, and other financial requirements vary by lender, program, property, and borrower profile. CMS confirms those items after the scenario is matched to current lender guidelines rather than advertising a single standard that may not apply.
- Some programs may permit an eligible business entity, but entity requirements vary by lender and transaction. CMS can explain the mortgage documents requested for a current program. Whether an entity is appropriate is a question for your qualified legal and tax advisors, because mortgage guidance is not legal, tax, or liability advice.
- It depends on the lender and program. A licensed loan officer can confirm how a current program treats your existing properties, including any limits or reserve requirements.
- Some lenders require a US bank account for closing and payments. A licensed loan officer can confirm the selected lender's requirement.
Get Rate Drop Alerts
We'll notify you instantly when rates drop to your target.
Discuss Your US Investment Scenario
Share the property and transaction details so a licensed loan officer can explain what current programs require.
Or call us directly: (757) 558-2603