Can a Foreign National Get a DSCR Loan Without an SSN?
Yes - foreign nationals can get a DSCR loan on a U.S. rental with no SSN, no ITIN and no U.S. credit. Here's what replaces them and what the terms look like.
Key takeaways
- Yes. A foreign national can get a DSCR loan on a U.S. rental with no SSN, no ITIN and no U.S. credit history.
- The loan qualifies on the property's rent (DSCR = monthly rent ÷ monthly PITIA), not your personal income - so no U.S. tax returns are needed.
- Our foreign-national terms (as of September 2026)*: $100K - $3M, up to 70% LTV on a purchase (30% down) and 65% on a cash-out refinance.
- You take title in a U.S. LLC, which gets its own EIN - and you can sign from abroad.
Short answer: yes. Most U.S. banks won't lend without a Social Security number and a U.S. credit file, but DSCR loans for foreign nationals are built for exactly this situation. The property's rent qualifies the loan, and documents from your home country stand in for the SSN and the U.S. credit score.
What replaces the SSN
- Your passport, as the primary ID
- Bank statements showing your down payment and reserves - typically 6-12 months of the payment (PITIA)
- A credit reference from your home country, usually a letter from your bank plus your payment history
- A U.S. LLC that takes title; the LLC gets its own EIN, so no SSN is needed for the entity either
How the loan qualifies: rent, not income
DSCR stands for debt service coverage ratio: the property's monthly rent divided by its monthly payment - principal, interest, taxes, insurance and any HOA (PITIA). The lender's question is whether the rent covers the payment, not what you earn. That's why U.S. tax returns, W-2s and pay stubs aren't part of the file. Short-term rentals can qualify too.
Our foreign-national DSCR terms (as of September 2026)*
- Loan size: $100K - $3M
- Max LTV: 70% on a purchase (30% down), 65% on a cash-out refinance
- Term: 30-year fixed, ARM, or interest-only
- Qualifies on long-term or short-term rental income
- No SSN, ITIN, or U.S. tax returns required
- Instant term sheet - no hard credit pull
- * Subject to underwriting
Foreign national vs. U.S. resident DSCR loans
The main difference is leverage. U.S. residents can borrow up to 85% LTV on a DSCR purchase; foreign nationals up to 70%. The documentation is different too - home-country bank statements and references instead of a U.S. credit report - but the way the property qualifies is the same.
No SSN, no U.S. credit. See your terms instantly.
Foreign National programFrequently asked questions
Do I need an ITIN for a DSCR loan?
No. An ITIN can help with U.S. tax filings on your rental income later, but it is not a loan requirement.
Do I need a U.S. credit score?
No. A credit reference from your home country - usually a bank letter plus your payment history - is used instead of a U.S. credit report.
Can I qualify with Airbnb or short-term rental income?
Yes. Foreign-national DSCR loans can qualify on long-term or short-term rental income.
Do I have to travel to the U.S. to close?
No. Most foreign-national closings are done remotely - you sign at a U.S. embassy or consulate in your country, or with an approved notary.