DSCR & Foreign National Loans
“You don’t need to be a U.S. citizen to invest in the American dream.” Investment property financing qualified on the property's income, not your citizenship or tax returns.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying you with a credit score and W2 income like a traditional mortgage, a DSCR loan qualifies the property itself — confirming the rental income it generates is enough to cover the loan payment.
Who it's for
This program is built for real estate investors and foreign nationals who don't fit the traditional lending mold: no U.S. credit history, no W2, no U.S. tax return required.
How Fadi helps
Fadi has direct experience structuring Foreign National financing and will walk you through documentation requirements, which vary by country of origin and property type.
DSCR / Foreign National at a glance
- ✓ No U.S. citizenship required
- ✓ No W2 or U.S. income tax form needed
- ✓ Qualification based on the property's rental income
- ✓ Built for investment property purchases
DSCR & Foreign National FAQ
Do I need a Social Security Number to qualify?
No — the Foreign National Program is specifically designed for borrowers without a U.S. SSN or credit history.
What documentation will I need?
Requirements vary by borrower and property, but generally focus on proof of funds and the property's projected rental income rather than personal income documentation. Fadi will provide a specific checklist for your situation.
Can I use a DSCR loan for a primary residence?
DSCR loans are designed for investment properties. If you're purchasing a primary residence, ask Fadi about FHA, VA, or Conventional options instead.