Published terms, read October 29, 2026
DSCR loans for foreign nationals: which lenders publish a program
A foreign national can own US rental property through a US LLC and finance it on the rent, the same way a US investor does. Fewer lenders publish a program for it, and those that do usually cut leverage. Our DSCR program lends to foreign nationals at up to 65% LTV.
| Lender | Foreign nationals | Max LTV (purchase, all borrowers) | DSCR minimum |
|---|---|---|---|
| Doors FundedOur programs | Eligible, up to 65% LTV | 80% | 1.05x |
| Lima One Capital | Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. | 80% | 1.00x |
| Easy Street Capital | Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders. | 80% | no minimum |
| Angel Oak Mortgage Solutions | A separate foreign national DSCR program: $100,000 to $1,500,000, 1.00x DSCR, borrower must live outside the US, US LLC allowed. | 85% | no minimum |
| Griffin Funding | Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs. | 85% | no minimum |
| Temple View Capital | Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. | 80% | 0.75x |
| Kiavi | Not eligible. Borrowers must be US citizens or permanent residents. | 80% | 0.80x |
| RCN Capital | Not published | 80% | 1.00x |
| Visio Lending | Not published | 85% | not published |
| LendingOne | Not published | 80% | 0.75x |
| CoreVest | Not published | 80% | 0.80x |
| New Silver | Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. | 80% | 0.75x |
| Dominion Financial | Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. | 80% | 1.00x |
| Asset Based Lending | Not published. | 80% | 1.00x |
What to check before you apply
- Ask what the lender needs to see: passport and visa, a US bank account, and how it handles credit with no US score.
- Form the US LLC before you go under contract; the loan closes in the entity.
- Expect a lower LTV than the headline. Leverage for foreign nationals is often 60-70%.
Each lender's figures, with the page it came from, are on its own page: follow the name in the table. Every lender prices each deal, and the term sheet you get is what counts.
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