Foreign national DSCR loans
A DSCR loan lets a non-US-resident or foreign-national investor finance a US rental on the property’s cash flow rather than US tax returns — and often with no US credit history at all. Only a couple of the lenders we track specialize in this; below are the ones built for foreign-national borrowers, with their loan caps and estimated rates.
Lenders offering foreign national dscr loans
Estimated at our benchmark scenario (75% LTV, 740 FICO, 1.25 DSCR, SFR), sorted lowest first.
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| America MortgagesLowest | 6.455% | 4.23 + 1.85 + 0.375 | $1,887 | View lender → |
| HomeAbroad | 6.460% | 4.23 + 1.85 + 0.375 | $1,888 | View lender → |
FAQ
- Which lenders offer foreign national dscr loans?
- America Mortgages, HomeAbroad — each offers DSCR loans for foreign nationals (no US credit history required). On a benchmark profile, estimates start around 6.46%.
- Does foreign national dscr loans cost more?
- Usually a small rate add-on — it widens who qualifies rather than lowering the floor. The table prices every lender the same way so you can weigh the trade-off, and the figures are estimates, not quotes.
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.