What replaces a US credit file
Foreign national programs substitute international credit references, verified reserves, and the property's own cash flow for a domestic credit score.
- Valid passport and, where applicable, visa documentation
- Two international credit references or an international credit report
- Verified reserves held in a US or acceptable foreign institution
Leverage and pricing expectations
Leverage is set below the standard investor maximum, and pricing carries a premium over a comparable domestic DSCR file. Structuring the purchase in a US entity is the norm.
Setting up before you shop
The fastest closings belong to buyers who formed the LLC, opened the US business bank account, and seasoned reserves before going under contract.
Frequently asked questions
- Do I need an ITIN to buy US investment property?
- An ITIN is not always required for the loan itself, but it is commonly needed for US tax filing on rental income.
- Can I buy in my own name?
- Most foreign national investor programs are structured through a US entity, which also simplifies liability and banking.
Continue your research
Related investor guides
DSCR loans
DSCR Loan Requirements for Rental Property Investors
A DSCR loan qualifies on the property's rent, not your personal income. Here is exactly what underwriting looks at.
Read guide
Investor strategy
The BRRRR Financing Playbook: Bridge to DSCR Refinance
The rehab loan and the permanent loan are one plan. Sequencing them badly is what strands your capital.
Read guide
Section 8 & HAP
Underwriting Section 8 Rent: HAP vs. Full Contract Rent
The landlord receives the full contract rent — but only the HAP portion is government-paid. Model both.
Read guide