Get Approved for a DSCR Loan Using Your ITIN and Rental Income
No W-2s. No tax returns. Qualify with property cash flow and an ITIN. Tailored for experienced real estate investors.
✅ See if you Qualify
Invest with Confidence — Even Without a U.S. Social Security Number
If you have an Individual Taxpayer Identification Number (ITIN) and own or plan to purchase income-producing properties, a DSCR (Debt Service Coverage Ratio) loan offers a powerful financing path. These loans let you qualify based on rental income—not personal income or job history.
At InvestorWise Home Loans, we specialize in helping creditworthy investors use their cash-flowing assets to build and scale real estate portfolios—faster and more flexibly than traditional loans allow.
✅ Why ITIN DSCR Loans Are a Smart Strategy
- No personal income verification or tax returns required
- Use your ITIN to qualify — no SSN necessary
- Close in an LLC or your personal name
- Ideal for short-term rentals (Airbnb, VRBO) or long-term holds
- Competitive interest rates for well-qualified borrowers
- Fast closings — often within 21 days
- Loan amounts up to $3 million
🧠 Who ITIN DSCR Loans Are Built For
These loans are a great fit if you are:
- A real estate investor operating under an ITIN
- An entrepreneur with rental income but no W-2
- A buyer with strong property cash flow looking to expand
- Running a short-term rental portfolio in need of low-doc financing
Not a match if you’re looking for a primary residence or need full income verification.
📊 How It Works: DSCR + ITIN = Approval Path
We use one number to qualify you: your property’s DSCR (Debt Service Coverage Ratio).
If your property’s rental income covers the loan payment, you’re likely eligible.
Example:
Monthly rent: $2,500
Loan payment (PITI): $2,000
DSCR = 1.25 ✅
✅ See if you Qualify
📋 What You’ll Need to Get Started
- Valid ITIN and government-issued ID
- Purchase agreement or property details
- Estimated rent roll or market rental comps
- Down payment (typically 20–25%)
- Credit score of 640+
- 6–12 months of reserves (can be in U.S. or foreign bank)
🆚 DSCR vs. Traditional Mortgage
| Feature | ITIN DSCR Loan | Traditional Loan |
|---|---|---|
| Income Required | No personal income | Full income docs |
| Entity Ownership Allowed | Yes (LLC welcome) | Rare |
| Credit Type Accepted | ITIN + FICO | SSN required |
| Speed to Close | Fast (10–21 days) | Slower (30+ days) |
| Ideal Use Case | Investment Property | Primary Residence |
🔐 Trusted Lending Partner
🏅 Over 1,000 DSCR loans funded nationwide
🌎 ITIN clients served in multiple countries
🔒 Secure. Private. No hard credit check to get started
❓ ITIN DSCR Loan FAQs
Yes. We work with lenders who accept valid ITINs in lieu of a Social Security Number.
No. These loans are asset-based — we qualify you using property cash flow, not income docs.
Loan amounts range from $150K to $3M depending on property, DSCR, and reserves.
Yes. We’ll help you choose the right strategy for your cash flow and goals.
Yes, ITIN loans can be used to finance investment properties or second homes in addition to primary residences, providing non-U.S. residents with flexibility in their real estate investment opportunities.
Ready to Grow Your Portfolio?
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⚠️ Disclosures & Compliance Notes
- This is not a commitment to lend. Terms and conditions apply.
- All loan requests are subject to credit and property approval.