Foreign Nationals DSCR

Up to 70% CLTV No score or FICO 660

A&D Mortgage is a leader in working with people abroad who want to buy or refinance their property located in the United States. Our Foreign National program has a flexible, alternative documentation process with realistic guidelines which helps more borrowers to qualify.

At A&D, our primary focus is to make sure that any borrower who comes through our door has an option to receive financing.

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Loan amounts up to $3 million
Cash-out allowed
DSCR < 1 requires min FICO 680 or No FICO
CPA Letter for last 2 years & year-to-date
One bank reference letter
Overseas assets allowed as reserves
Gift funds allowed
Temporary rate buydowns available

Foreign Nationals DSCR FAQ

Can a Foreign National purchase property in the US?

Yes. A&D offers solutions for investment properties only. Foreign Nationals can qualify with documentation for the income generated in their residence country OR just with the cash flow from the subject property.

Can borrowers use a Foreign National loan to buy a home?

Foreign National loans are intended to be used to purchase homes as investments, not primary residences.

What if borrowers want to purchase a primary residence in the US? They will need to be a US resident and obtain a regular mortgage.

Do applicants need a credit record in the US?

No, borrowers do not need to have a US credit record in order to qualify for a Foreign National loan.

What documents does a Foreign National borrower need to have ready?

Borrowers should get the following documents ready before they apply for a Foreign National loan in the US:

  • A copy of their passport
  • A copy of their unexpired Visa
  • A current credit report
  • Proof of income for the prior 2 years and the current year
  • If self-employed, an accountant’s income letter for the prior 2 years and the current year
  • A copy of their purchase contract


These documents should be translated into English by a certified translator. Having all of these documents gathered before your clients fill out their applications can save you a great deal of time and hassle.

Are there restrictions on who cannot apply for a Foreign National loan?

Yes. The following borrowers are not eligible:

  • Borrowers with diplomatic immunity or otherwise excluded from U.S. jurisdiction.
  • Residents of any country not permitted to transact business with US companies are ineligible (as determined by any U.S. government authority).
  • Irrevocable Trusts or Land Trusts.
  • Borrowers less than 18 years old
Can clients close quickly on the property they want?

Yes, an experienced lender accustomed to working with Foreign National borrowers should be able to close this loan as quickly as a Conventional mortgage. And, because some of the income and credit qualifications are comparatively easier, it might happen even faster.

How high will their interest rate be?

Interest rates are dependent on a variety of factors, but borrowers can expect to have an interest rate that is competitive with those offered to US citizens.

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