Can a foreign national get a DSCR loan in the US?

Yes. Because a DSCR loan qualifies on the rental property's income rather than the borrower's personal US income, it is the most common way foreign nationals finance US rentals. You typically do not need a Social Security number or US credit history, though requirements vary by lender.

What rate do foreign nationals pay on a DSCR loan?

Foreign national pricing usually sits modestly above standard DSCR rates. Mid-2026 published trackers show foreign national DSCR rates around 7.0 to 7.25 percent versus roughly 6.1 to 6.5 percent par for domestic borrowers, with a somewhat larger down payment often required.

Lender guide

Foreign National DSCR Loans (No SSN Required)

You are not a US citizen and you want to buy US rental property. A DSCR loan is usually the path, because it qualifies on the property, not on a US income or credit history you may not have.

By Owen Brandt, Research Editor. Updated June 9, 2026.

If you are not a US citizen, the obstacle to buying US rental property is usually not the property, it is proving who you are to a lender built around Social Security numbers and US credit. The DSCR loan sidesteps most of that, because it underwrites the property rather than you. We are not a lender; some links here may be affiliate links, see our disclosure.

Why DSCR fits foreign nationals

A DSCR loan qualifies on the property's rent through the debt service coverage ratio, not on your personal income, tax returns, or US credit score. That is exactly what a foreign national lacks a domestic paper trail for. Many lenders will accept a foreign passport, a visa, and an individual taxpayer identification number where needed, rather than a Social Security number, and they verify the rental income from the property itself.

What lenders typically require

Requirements vary, but the common pattern is: a valid foreign passport and, depending on the lender, a US visa or an ITIN; a US bank account or, for many programs, funds held at a recognized international bank; a larger down payment than a domestic borrower, often in the 25 to 35 percent range; and reserves held in an accessible account. The property is held in a US entity in most cases, which the cash-out and entity guidance on this site covers. You will not usually need a US credit score, though some lenders ask for an international credit reference.

What it costs

Foreign national pricing sits a little above standard DSCR rates. Mid-2026 rate trackers put foreign national DSCR rates near 7.0 to 7.25 percent against roughly 6.1 to 6.5 percent par for top-tier domestic borrowers, and the down payment requirement runs higher. The full domestic ranges are in the Rate and Terms Survey for comparison. Run the deal on the DSCR calculator with the higher down payment to confirm it still clears.

Which lenders specialize

Several lenders have built foreign national DSCR programs specifically, since this is an under-served, high-value segment. Look for lenders that state a foreign national program explicitly rather than treating you as an exception, because the specialists move faster and price better. Confirm the document list and the down payment up front.

Compare foreign national DSCR lenders. Starting points to research, not endorsements. Confirm terms on each lender website. Some links may be affiliate links; see our disclosure.

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More: how to choose a DSCR lender and holding the property in an LLC.