Foreign National Investor Loans — No US Credit Required

Foreign National investor loan program from Defy Wholesale — no US credit required, DSCR cash-flow qualification, up to 75% LTV, loan amounts up to $3M. Built for international real estate investors and the brokers serving them.

Highlights

  • No US credit report required
  • DSCR cash-flow qualification (min 0.75)
  • Up to 75% LTV
  • Loan amounts up to $3M
  • Foreign assets accepted
  • ITIN borrowers allowed
  • Canadian citizens without a US visa eligible

Who it's for

International real estate investors building US rental portfolios and the brokers serving them.

FAQ

Do you require a US credit score?

No — Foreign National borrowers qualify off rental cash flow alone.

What's the minimum DSCR?

0.75 minimum DSCR.

Explore other programs

  • DSCR Loans
  • Non-QM Loans
  • Bank Statement Loans
  • Foreign National Loans
  • ITIN Loans
  • Asset Depletion Loans
  • Mixed-Use Loans

Get started

  • Become an Approved Broker Partner
  • Submit a Scenario to the Deal Desk
  • Browse the Forms Library