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Foreign National Specialist

HomeAbroad

DSCR financing built for foreign nationals investing in U.S. rental property

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Affiliate disclosure: HomeAbroad is a DSCRDeals referral partner. DSCRDeals may receive compensation if you use our tracked link and your loan closes.

Min. DSCRNo-Ratio option: 0–1.0; best terms typically ≥1.0
Max LTVUp to 75% purchase / R&T; 70% cash-out
Min. CreditU.S. credit score not required for foreign nationals
Loan Amounts$100k – $10M
ClosingPublished average: 27 days
Program snapshot

What stands out

  • No U.S. income or credit history required for foreign-national borrowers
  • No-Ratio option: 0–1.0; best terms typically apply at 1.0x or higher
  • $100k–$10M; up to 75% purchase/R&T; six months reserves
  • STR, first-time investor, vacant, rural and LLC/entity scenarios allowed
Single FamilyCondosTownhomesPUDs2–4 UnitsShort-Term Rentals (STR)Foreign National DSCRNo-Ratio DSCR
Fit

Best for

  • Foreign-national investors
  • Borrowers without U.S. credit history
  • No-ratio / sub-1.0 DSCR scenarios
  • Short-term rentals
  • Larger loan amounts

Watch for

  • This profile is designed for foreign-national borrowers; domestic investors should use the broader lender pool.
  • Partner-supplied material dated Aug. 24, 2026 describes best terms at 1.0x+ and options to 0.75 with more equity; DSCRDeals retains the separately verified No-Ratio 0–1.0 program positioning and recommends scenario confirmation below 1.0x.
Loan Terms & Transparency

How this loan is actually underwritten

DSCR positioningNo-Ratio option: 0–1.0; best terms typically ≥1.0

Partner material supplied Aug. 24 also describes options down to 0.75 with a higher down payment. Confirm the exact No-Ratio structure for the scenario.

Reserves / escrow6 months

Confirmed in partner-supplied program details.

Property eligibilitySTR, first-time investor, vacant, rural and LLC/entity allowed

SFR, condo, townhome, PUD and 2–4 unit residential; 5+ units route to the commercial arm.

Geography48 states

Program-specific state restrictions may still apply.

Appraisal / feesVerify current quote

The supplied program sheet does not provide a complete appraisal-ordering or fee schedule.

ClosingAverage 27 days

Partner-supplied program detail; actual timing varies by file.

DSCRDeals take

A foreign-national DSCR specialist that does not require U.S. income or U.S. credit history, supports No-Ratio scenarios, STRs and entity vesting, and offers loans up to $10M.

Data last verified: 2026-08-24. HomeAbroad public DSCR guidance + partner-supplied program details.

Foreign-national guide

Financing U.S. rental property from abroad?

See how foreign-national DSCR programs differ on U.S. credit, DSCR, leverage, reserves and entity eligibility.

Read the Foreign-National DSCR Guide
Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.