Our Programs 

DSCR Foreign Nationals

Available on Sequoia DSCR

Qualify Foreign National borrowers looking to invest in the U.S.

  • Qualification Based on Subject Property Debt Service Coverage Ratio
    • DSCR = Gross Rent/PITI on 15 & 30-Year Fixed Terms
    • DSCR = Gross Rent/ITIA for 30 & 40-Year IO Terms
  • 1-4 Units Allowed
  • Loan Amounts Up to $1.5 million
  • Credit Scores as Low as 680
  • Short & Long Term Rental Properties Allowed
  • Up to 75% LTV on Purchase and Rate & Term
  • Up to 65% LTV on Cash-Out
  • Unlimited Number of Properties Owned
  • Cash-Out May Be Used for Reserves
  • Vacancies Allowed on Refinances on Long-Term Rentals
  • 15, 30, or 40-Year Fixed & 30 or 40-Year IO Loan Terms
  • Must Have Previously Owned an Investment Property in the Prior 36 Months
  • Must Reside in One of the Following Countries:
    • Australia, Canada, Finland, Germany, Greenland, Guam, India, Japan, Mexico, South Korea, Puerto Rico, United Kingdom

Who is a Foreign National?

A foreign national is someone who is not a U.S. citizen or permanent resident (green card holder) but wants to purchase or refinance property in the U.S.

Key Traits of a Foreign National Borrower

  • They live abroad or may temporarily live in the U.S.
  • They don’t have U.S. income or tax returns.
  • They qualify for loans through alternative documentation (like bank statements, credit references, or assets from their home country).

Price Your Scenario

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Where Can I Do A DSCR Loan Without A License?

You do not need a license to do DSCR loans in the following states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida (Requires Vesting in an LLC), Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Montana, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, and Wyoming

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DSCR Foreign National FAQ

We lend on 1-4 Unit Properties.

Yes! With a DSCR Ratio over 1.00 we allow short term rentals.

You do not need a license to do DSCR loans in the following states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida (Requires Vesting in an LLC), Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Montana, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, and Wyoming