Programs
Foreign National DSCR

Foreign National DSCR

No Score or FICO 660
Up to 75% CLTV

Program Overview:

Facilitating global investment in U.S. real estate by qualifying non-resident investors solely on property cash flow.

Broker Advantage:

  • Ease of Access: No U.S. credit, SSN, or ITIN required for non-resident investors.
  • Qualified Rents: Qualify on U.S. rental potential, not global returns.
  • Digital Closing: Eligible for Remote Online Notarization (RON) globally.
  • Border-Free Deals: Use foreign assets for down payment and qualify on US rents alone.

Highlights:

  • FICO: If no U.S. credit, qualify at 660 "Shadow FICO".
  • LTV (Purchase): Up to 75%.
  • Ratio: Minimum 1.00 DSCR.
  • Loan Amounts: Max $1,500,000.
  • Reserves: 12 months PITIA required.
  • Identification: Requires valid Passport and Visa.
  • Funds: global assets must be in U.S. account 10 days prior to closing.

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DSCR FAQ

Who qualifies as a foreign national?

Non-U.S. citizens without permanent residency.

Is U.S. credit required?

No U.S. credit is required.

Is DSCR required?

Yes, minimum DSCR of 1.00.

Is cash-out allowed?

Yes.

Can property be owned in an entity?

Yes.

Exlpore more Foreign National DSCR Loan Programs

1Y + 2Y P&L

Min. FICO 660
Up to 80% CLTV
  • P&Ls reviewed by CPA, CTEC provider, or IRS Enrolled Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million

1099 Only

Min. FICO 620
Up to 85% CLTV
  • 1099 income for the last 1 year accepted
  • 1-year history with same employer
  • Gift funds allowed

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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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