DSCR loans for international investors buying U.S. rental properties through a U.S. LLC. No credit score. No tax returns. Close entirely remotely — wire and e-sign.
Being specific here matters. If you see yourself in one of these scenarios, you're exactly who this product was built for.
International HNW Investor
Lives in the UK or Canada. Has capital to deploy. Wants to own cash-flowing U.S. rentals in their LLC. Told no by every conventional lender because they have no U.S. credit history and no SSN.
Returning Expat
American living in Singapore or Germany. Wants to invest back in the U.S. market while abroad. Has a U.S. passport but hasn't filed a U.S. tax return in years. Foreign national DSCR works for them.
Non-Resident with Existing U.S. Property
Bought a U.S. property with cash or through a seller-finance deal. Now wants to pull equity out and redeploy, or refinance into permanent fixed-rate financing — without physically being in the U.S.
Delaware or Wyoming LLCs are most common for foreign nationals. Takes 1–3 business days to form online. Cost: ~$150–$500. We can refer you to a registered agent.
An Individual Taxpayer Identification Number (ITIN) is preferred. A passport is accepted in most cases. No SSN required.
From any bank, in any currency. We verify reserves (6 months of PITIA). International bank accounts are accepted. Wire transfers are fine.
Same standard as domestic borrowers. The property qualifies the loan. Our AI pulls rent comps from Rentcast and calculates DSCR automatically when you drop the address.
No SSN required at any stage.
No credit score required. The property is the credit.
No Schedule E, no 1040, no business filings.
Retired, self-employed, or employed abroad — irrelevant.
The entire process can be completed remotely. Closing is handled via wire and e-sign.
DSCR is a business-purpose loan. The borrower is your U.S. entity — not you personally. This is good for you: it means your personal foreign credit profile is irrelevant to the underwrite.
The LLC also provides asset protection: a lawsuit against the property can't pierce the entity wall to reach your personal assets or assets in other entities.
Form LLC online (Delaware or Wyoming). Receive Articles of Organization.
Apply for EIN online via IRS. International applicants: ~7 days. Can call in if urgent.
Apply for ITIN if you don't have one. This takes longer — start early.
Drop an address, get quoted, and start the process.
All closing documents are signed electronically. A notary is not required for most foreign national closings. Your attorney can review docs before you sign.
We accept international wire transfers for the down payment and closing costs. No currency conversion required on your end — wire in the amount we specify in USD.
We can refer you to property management companies in our funded states. Most operators who close remotely use professional management — the rental income is deposited directly to your LLC account.
Foreign National DSCR
$224,000 @ 8.5%
Wyoming LLC borrower. Closed entirely remotely via e-sign and international wire.
Foreign National DSCR
$196,000 @ 8.75%
No U.S. credit history. ITIN provided. Delaware LLC. 3rd property in U.S. portfolio.
Foreign National Cash-Out
$280,000 @ 9.0%
Cash-out refi on existing U.S. property. Proceeds wired internationally. No SSN.
We work with foreign nationals from most countries. OFAC-sanctioned jurisdictions are excluded. Drop an address or contact us for country-specific guidance.
Form the LLC, get the ITIN, open the bank account, drop the address. A timeline-by-timeline walkthrough for international investors.
Delaware LLC, ITIN, international wire. Full timeline and cost breakdown for an Australian investor buying their first U.S. rental property.
What each one is, how to get it, how long it takes, and in what order to get them. The setup checklist for non-resident investors.
Drop the address. We pull the comps, run the DSCR, and put rate + payment on screen. No SSN. No U.S. credit check.
No hard pull
No W2