ITIN Loans for Non-Citizen Borrowers

Defy Wholesale TPO funds investor loans for borrowers with an ITIN (Individual Taxpayer Identification Number) in lieu of an SSN. Built for brokers serving ITIN-holding investors building US rental portfolios.

Highlights

• ITIN accepted in lieu of SSN
• DSCR cash-flow qualification
• Up to 75% LTV
• Foreign assets accepted
• First-time investors eligible
• LLC, Corp, or Trust vesting allowed

Who it's for

ITIN-holding real estate investors and the brokers serving non-citizen and mixed-status clients.

FAQ

Do you accept ITIN in place of SSN?

Yes — ITIN is accepted for qualifying borrowers.

Is a credit report required?

No US credit report required when qualifying off 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