Foreign National DSCR Loan

Qualify on the property's rental income compared with the full monthly payment (PITIA), not on U.S. tax returns, W-2s or pay stubs.

Designed for non-U.S. citizens who do not live in the United States and are buying or refinancing a U.S. investment property.

A U.S. credit score is not required. International credit references can be used when there is no U.S. credit history.

Title can typically vest in a U.S. LLC, with members signing a personal guaranty.

Purchase, rate-and-term refinance and cash-out refinance options may be available, depending on the investor program.

Eligible property types may include single-family homes, condos, 2–4 units and, in some programs, non-warrantable condos and short-term rentals.

Lets international investors qualify on how the property cash flows instead of on foreign income paperwork.

Access to 100+ investor programs, so your scenario is matched to the investor whose foreign national guidelines fit.

A Miami-based team that works with South Florida condo, high-rise and investor transactions every day.

One lending partner for the next property: TAG's DSCR programs, LLC closings and cash-out refinances work together as your portfolio grows.

Down payment, reserves, loan amounts and LTV vary by investor and are confirmed by your loan officer for your exact scenario.

Valid passport and, where applicable, U.S. visa or entry documentation.

International credit reference letters when there is no U.S. credit history.

Bank statements showing funds for the down payment, closing costs and reserves, typically translated to English with U.S. dollar conversion.

Proof that funds have been transferred to, or can be wired to, a U.S. account before closing.

LLC documents when closing in an entity: Articles of Organization, Operating Agreement, EIN letter and certificate of status.

A lease or appraiser rent schedule (Form 1007) to establish the property's rental income.

International buyers purchasing rental property in Miami, South Florida and TAG's other lender states.

Foreign investors refinancing or pulling cash out of a U.S. rental they already own.

Investors who want to hold U.S. rental property in an LLC.

Realtors and builders working with international clients who need a financing path before they write the offer.

Brokers and MLOs with foreign national investor scenarios that need a non-delegated correspondent partner.

Pre-construction condo buyers who plan to rent the unit once it closes.