DSCR loans for foreign nationals, qualified on the rent, not U.S. income.
You live abroad and want to own rental property in the United States. A DSCR loan is decided on what the property earns, so you do not need U.S. tax returns, a U.S. employer or a U.S. pay stub. We lend to foreign nationals directly, in the same LLC-friendly way as every DSCR loan we make.
The one number that qualifies the loan.
Example figures, not a quote. At 1.00 or higher the rent covers the payment. Run your own numbers in the DSCR calculator.
What a foreign national file is made of.
| Term | What we look atthe question | What you sendthe papers |
|---|---|---|
| Who you areIdentity and where you live. | That you are who you say, and your residency status | Your passport and the residency documents you hold. We list exactly which for your situation |
| The propertyWhat secures the loan. | Its value and the rent it earns or will earn | The address and the lease, or the market rent. The appraisal confirms both |
| Your credit historyHow you have paid before. | Whatever history you have, in the U.S. or abroad | Tell us what you have. Many investors abroad have no U.S. credit file |
| Funds to closeThe down payment and reserves. | That the money is yours and where it is held | Bank statements. Money held abroad is shown the same way and wired for closing |
| How you hold itThe name on the deed. | Your own name or a U.S. company | Most investors use a U.S. LLC. A personal guaranty is standard on business-purpose loans |
What does not change for anyone: the property is an investment. You and your family may not live in it.
From abroad to closing, one team.
Tell us the plan
The property or the market, your goal, and where you live now.
Get your document list
Exactly which papers your file needs. Nothing to pay to find out.
Set up to own it
Most investors form a U.S. LLC and open a U.S. bank account for the rent and the payments.
Appraisal & rent
The appraisal confirms the value and the market rent. No U.S. income documents.
Close & rent it out
Tell us where you will be on closing day; the title company arranges how you sign.
Foreign national DSCR loan questions
Can a non-U.S. citizen get a DSCR loan?
Yes. We lend to foreign nationals buying or refinancing rental property in the United States. The loan is qualified on the property’s rent, so U.S. income is not part of it.
Do I need a U.S. credit score?
Many investors who live abroad have no U.S. credit file. Tell us what credit history you have, in the U.S. or elsewhere, and we tell you how your file is read.
Do I need a visa, a Social Security number or an ITIN?
What you need depends on your residency status. Send us the identification and residency documents you hold and we list what your file requires.
Can my down payment come from a bank outside the U.S.?
Yes. The money must be yours and documented with bank statements, and it is wired for closing. Tell us where it is held.
Do I need a U.S. LLC or a U.S. bank account?
Most foreign investors hold the property in a U.S. LLC, and we lend to LLCs. A U.S. bank account makes collecting rent and making payments simple.
Can I close without travelling to the United States?
Tell us where you will be on closing day. The title company arranges how and where the documents are signed.
Does FIRPTA apply when I buy?
FIRPTA is a U.S. tax withholding rule that applies when a foreign owner sells U.S. real estate, not when you buy it. A tax adviser can tell you how it applies to you.
Can I or my family stay in the property?
No. Our loans are business-purpose, for non-owner-occupied rental property. That is the same for every borrower.
Can I rent it as an Airbnb?
Yes. A short-term rental is qualified on what it earns. See short-term rental loans.
Investing from abroad? Send us the property.
The address or the market, and where you live now. We send back your document list and the terms.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.