DSCR Loans (Real Estate) for Non-Citizens
See What You Qualify ForWhy DSCR Loans (Real Estate) Works for Non-Citizens
LPR: Full access, same terms as citizens | Visa holders: Full access via foreign national programs | ITIN: Accepted at some lenders (passport-only programs exist)
SBA vs. DSCR Loans (Real Estate)
| Factor | SBA Loan | DSCR Loans (Real Estate) |
|---|---|---|
| Citizenship Required | 100% U.S. citizen owners | No — explicit foreign national programs |
| Income Verification | Full personal + business income | Property cash flow only (DSCR ≥ 1.0) |
| Credit Score | 650+ | 620+ (or international credit accepted) |
| Down Payment | 10-20% | 25-40% for non-citizens |
Frequently Asked Questions
Can foreign nationals get DSCR loans?
Yes. DSCR loans are specifically designed to qualify based on property cash flow, not personal income. Waltz, Griffin Funding, Angel Oak Mortgage Solutions, AD Mortgage, and Capital Funding Financial all offer explicit DSCR programs for foreign nationals — some without requiring SSN, ITIN, or even a U.S. visa.
What down payment do non-citizens need for DSCR loans?
Non-citizen borrowers typically need 25-40% down payment (vs. 20% for citizens). Reserve requirements are usually 12 months of PITIA (principal, interest, taxes, insurance, association fees). Interest rates carry a modest premium over citizen rates.
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