Investment Highlights
| Property Details | Loan Details | HomeAbroad Solutions |
|---|---|---|
| Purchase Price: $240,000 | Program: DSCR Loan | Foreign National DSCR Loan Program |
| Location: Princeton, Texas | Loan Amount: $180,000 | Cross-border Documentation Support |
| Property Use: Investment property | Down Payment: 25% | Loan Guidance for Non US Credit Borrowers |
| Property Type: SFR (Single-family residence) | Interest Rate: 7.250% | End-to-End Closing Support |
This case focused on structuring predictable, long-term financing for a Texas investment property using a loan framework that aligned with rental income rather than borrower documentation.
HomeAbroad structured a DSCR loan for a Mexico-based investor by underwriting the property itself, not personal income, US tax returns, or a domestic credit profile.
Investment Properties on Sale in Texas Today
The Investor’s Objective
The investor sought to acquire a single-family rental property in Texas using a financing structure that reflected the asset’s income-generating nature.
As a foreign national based in Mexico, the borrower did not have US credit history or US tax documentation. The objective was to secure long-term fixed-rate financing under a DSCR framework that evaluated rental income instead of personal financial records.
The Challenges the Investor Faced and How HomeAbroad Addressed Them
This case involved common considerations for foreign national DSCR purchases:
-
No US credit profile - No US income documentation
- Qualification dependent on property income
- Qualification dependent on property income
HomeAbroad addressed these factors by underwriting a DSCR loan, focusing on the property’s rental income and purchase structure rather than applying traditional borrower-based qualification standards.
How HomeAbroad Structured the DSCR Loan
At HomeAbroad, we structured this purchase using a foreign national DSCR loan tailored for international investors acquiring US rental property.
Instead of evaluating employment income or tax returns, we assessed the property’s income viability relative to the proposed mortgage obligation. The loan was structured with a 25 percent down payment and a 30-year fixed term at 7.250 percent.
This approach allowed the investor to secure financing aligned with the rental asset while maintaining long-term payment predictability.
Loan Process Timeline
Stage | Date | Details |
|---|---|---|
Registration, Loan Program Selection, and Underwriting Review | January 15, 2026 | Property and borrower details submitted to HomeAbroad. Thereafter, HomeAbroad matched the investor with the DSCR Loan program, after which verification of income and financial records were done. |
Final Approval and Closing | February 12, 2026 | Loan approved and completed within a month. |
Property Details:
Why This Deal Worked
Several factors contributed to the smooth execution of this purchase:
- The loan was structured around property income rather than borrower income
- The 25 percent down payment aligned with foreign national DSCR standards
- Fixed-rate financing supported long-term planning
- Documentation requirements were clearly defined at the outset
- HomeAbroad underwrote the deal with a focus on structural alignment rather than borrower history
What Other Investors Can Learn From This Case
- Mexican and other foreign investors can use DSCR loans to buy US rental property
- US credit history is not required for foreign national DSCR qualification
- Single-family rentals in growth markets like Texas can be financed under DSCR
- Fixed-rate DSCR loans support predictable long-term investment planning
Final Takeaway
This case demonstrates how DSCR financing enables foreign investors to acquire US rental property without relying on US income or credit history. By structuring the loan around property income and long-term stability, HomeAbroad helped a Mexican investor secure financing for a Texas single-family rental with clarity and confidence.
FAQs
Can Mexican investors use DSCR loans to buy rental property in Texas?
Yes, at HomeAbroad, DSCR loans are available to Mexican investors and other foreign nationals purchasing US rental property. You do not need US credit history to qualify for HomeAbroad DSCR Loans.
Is US credit history required for a DSCR loan?
No, as foreign nationals, you do not need US credit history to qualify for DSCR loans. These investment loans are underwritten based on the property’s rental income, not US credit scores or personal tax returns.
What down payment is required for foreign national DSCR loans?
At HomeAbroad, foreign nationals need a minimum down payment of 25% to qualify for a DSCR loan.
