Can a foreign national get a DSCR loan with no US credit?

Yes. Foreign national DSCR programs qualify on the property's rent and your identity and reserves rather than a US credit score. In place of a score, lenders accept a foreign credit reference, bank statements, or letters from international institutions.

What down payment do foreign nationals need?

Expect more down than a US borrower, commonly 25 to 35 percent, and a few extra months of reserves, often held in a US account before closing. The exact bar varies by lender, which is why comparing two or three matters.

DSCR loans

Best DSCR Lenders for Foreign Nationals in 2026

You can finance a US rental as a foreign national with no SSN and no US credit, but only some DSCR lenders run that program. Here is what to look for and who to compare.

By Owen Brandt, Research Editor. Updated June 11, 2026.

This page covers choosing a DSCR lender as a foreign national investing in US rental property. We are not a lender; some links here may be affiliate links, see our disclosure. For the mechanics, read the foreign national DSCR loan guide.

Why the lender list is shorter

Most of a DSCR loan is the same for a foreign national: the property's rent qualifies the loan. What changes is identity and credit. Without an SSN or a US score, you need a lender that runs a dedicated foreign national program and knows how to document you. Many lenders do not, so the real task is finding the ones that do and comparing their terms, which differ more than usual.

What to look for

A real foreign national program. Not an exception they make rarely, but a named product with documented requirements.
Accepted credit substitutes. Confirm what they take in place of a US score: a foreign bureau report, international bank references, or a letter of good standing.
Entity and ITIN flexibility. Many foreign investors buy through a US LLC; confirm the lender allows it and whether an ITIN helps your file.
Clear down payment and reserves. Expect 25 to 35 percent down and extra reserves; get the exact bar in writing.

Names to research

These investor lenders run foreign national or no-SSN programs. Starting points, not endorsements; confirm current terms.

Visio Lending and New Silver both work with investors who lack a standard US profile and qualify on the asset. Larger non-QM lenders also run foreign national products. Ask each lender to confirm the program exists, what they accept for credit, and whether they allow your LLC, then compare on down payment, rate, points, and prepay.

Lenders to research. Starting points, not endorsements. Confirm terms on each site. Some links may be affiliate links; see our disclosure.

Visio Lending New Silver

Prepare your file

Gather your identity documents, proof of reserves in a US account, and a credit reference before you apply. Test the property on the DSCR calculator, and place any quote against the independent Rate and Terms Survey so you know whether the foreign national premium you are quoted is fair.