Finance U.S. Rental Property Without a U.S. Credit Score or SSN

We help foreign nationals invest in U.S. real estate with fast, private, no-income-verification loans—no green card or U.S. credit required.

🌍 U.S. Investment Loans for Global Investors

InvestorWise Home Loans makes it easy for international investors to purchase or refinance U.S. real estate—even without a Social Security Number or U.S. credit history. Whether you’re acquiring a single-family rental, Airbnb, or portfolio of income properties, we fund directly and move fast.

We specialize in Foreign National DSCR loans, using your property’s rental income to qualify—not your income documents.

✅ Why Foreign Investors Choose InvestorWise

• No U.S. credit score, W-2s, or tax returns needed
• Qualify using rental income (DSCR-based underwriting)
• Purchase, refinance, or cash-out options
• Loans up to $3M+ on investment properties
• Close in your name or LLC
• Fast closings—often in under 3 weeks
• Fluent in working with international bank statements and IDs

📊 How It Works

We use a Debt Service Coverage Ratio (DSCR) to determine loan eligibility.

DSCR = Rental Income ÷ Loan Payment (PITIA)
(PITIA = Principal, Interest, Taxes, Insurance, and Association Dues)

If the DSCR is 1.00 or higher, it means the rental income fully covers the loan payment.

If the DSCR is below 1.00, it means the rental income falls short, and the borrower may need extra cash reserves or a larger down payment.

Example:

Monthly Rent: $3,200
Monthly PITIA: $2,400
DSCR = 1.33 ✅

📋 What You’ll Need to Apply

• Valid passport or national ID
• U.S. property under contract (or owned, for refi)
• Rent roll, lease, or market rent appraisal
• Down payment: typically 25–30%
• 6–12 months of reserves (international bank accounts accepted)
• No U.S. visa, SSN, or credit report required

🏘️ Property Types We Finance

• Single-family rental homes
• 2–4 unit properties
• Condos and townhomes
• Short-term rentals (Airbnb, VRBO)
• Non-owner-occupied investment properties
• Portfolio and cash-out refinances

🧠 Who This Program Is For

• Investors based in Canada, Mexico, UK, UAE, China, India, and beyond
• Entrepreneurs with foreign income or assets
• Buyers looking to invest in the U.S. for long-term rental income
• Investors purchasing through LLCs or corporations
• Those seeking a private, low-documentation loan option

🔒 Trusted. Secure. Built for Investors.

✔️ Direct lending. No brokers or third-party sellers
✔️ Private application—your information stays with us
✔️ Transparent terms, flexible structures
✔️ Dedicated team experienced in foreign national lending

❓ Frequently Asked Questions