Foreign-National DSCR Qualifier
Foreign nationals can finance a US rental on the property's income, not a US credit score. Check a property's debt-service-coverage ratio and see where it lands.
For buyers without US credit history or an SSN.
You qualify on the property's rent, with no US credit score, SSN, or ITIN. Taxes and insurance seeded from illustrative Houston assumptions. Confirmed per property at qualification.
DSCR
0.87×
rent ÷ housing cost
Est. payment / mo
$1,869 to $2,100
Illustrative range, not a rate quote
Not yet
At this price and rent the property doesn't cover its financing yet. Raising your down payment to about 45% would bring it to a workable DSCR, or look for a home with a higher rent-to-price.
This is normal in pricier markets. More rent or more down flips it fast.
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What the numbers mean
- DSCR (debt-service-coverage ratio)
- The property's monthly rent divided by its monthly housing cost. At 1.0 the rent exactly covers the financing; above 1.0 there's a cushion. It's the number a foreign-national lender underwrites on, not your personal income.
- PITIA
- The monthly housing cost the ratio is measured against: principal, interest, taxes, insurance, and any association dues. Management and maintenance aren't in it. Those are your costs, not the lender's.
- Qualify on the property
- These loans are approved on the rental income, so no US credit score, SSN, or ITIN is required. You qualify on the asset, not your file.
A worked example
The ratio is simple once you have the two monthly figures. For example, a property renting for $2,300 a month against a $2,090 monthly housing cost:
The monthly payment is shown as a range at a typical rate band: an illustration, never a rate quote or an offer.
How to read your results
1.0 is the line; lenders like a cushion above it
At 1.0 the rent just covers principal, interest, taxes, and insurance. Below it, the property doesn't yet cover its financing at these inputs; at or above it, it does. Stronger ratios plus 30%+ down open the best terms.
Below 1.0 isn't a dead end
Three levers move a property up: put more down (less loan), target a higher-rent property, or negotiate a lower price. Small changes shift the ratio quickly. The tool shows the down payment that would reach coverage.
The payment is a range, not a quote
Foreign-national pricing is set at underwriting, so the tool shows an illustrative payment range at a mid-market rate band. Treat it as a planning estimate, not a rate you've been offered.
Common questions
Do I need US credit or an SSN?
No. Foreign-national DSCR loans are underwritten on the property's rent, not your personal credit: no US credit score, SSN, or ITIN required.
Is the payment a rate quote?
No. It's an illustrative range at a typical rate band; actual pricing is confirmed at underwriting for your specific property and profile.
What if my DSCR is below 1.0?
The property doesn't cover its financing yet at these inputs. More down payment, a higher-rent property, or a lower price each raise it. The tool shows the down payment that reaches coverage.
How much down payment do I need?
These loans typically want 30% or more down; the strongest terms pair a comfortable DSCR with 30%+ down.
Keep going
How this is calculated
How the ratio works
- DSCR = expected monthly rent ÷ monthly housing expense (principal, interest, taxes, and insurance).
- A ratio at or above ~1.0 means the rent covers the financing; lenders generally look for more cushion, and stronger terms come with 30%+ down.
Assumptions
- The monthly payment is shown as an illustrative range at a mid-market rate band, never a specific rate quote, because foreign-national pricing is set at underwriting.
- Taxes and insurance are seeded per market; you set price, rent, and down payment.
What it isn't
- Not a rate quote, a pre-approval, or a credit decision.
- Qualification is confirmed per property and per borrower. This only shows where a property lands today.
The full method across every tool: How we calculate these →
Educational estimates, not financial, tax, or investment advice. Figures are illustrative and confirmed per property at qualification.