Home Purchase Highlights
| Property Details | Loan Details | HomeAbroad Solutions |
|---|---|---|
| Purchase Price: $450,000 | Program: DSCR loan for foreign nationals | Foreign National Mortgage Program |
| Location: Kissimmee, Florida | Loan Amount: $337,500 | 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% | End-to-End Closing Support |
This case focused on structuring long-term financing for a Florida investment property where the qualification needed to be driven by the asset itself, not the borrower’s personal income.
HomeAbroad structured a DSCR loan for a UK-based investor by underwriting the property’s income potential rather than relying on US credit history, tax returns, or employment income.
Investment Properties on Sale in Kissimmee Today
The Investor’s Objective
The investor wanted to acquire a single-family rental property in Florida using financing that aligned with an income-producing asset rather than personal earnings outside the US.
As a UK-based borrower, there was no US credit profile or US-sourced income to support a traditional mortgage. The objective was to secure a DSCR loan that allowed the property’s income profile to drive qualification while maintaining a straightforward ownership structure and long-term fixed financing.
The Challenges the Investor Faced and How HomeAbroad Addressed Them
This case involved several considerations specific to a foreign national DSCR purchase:
-
No US credit history - No US tax returns or W-2 income
- Qualification dependent on property income rather than borrower income
- Need for a fixed-rate structure to support long-term cash flow planning
HomeAbroad addressed these factors by underwriting the loan under a DSCR program, evaluating the property’s income potential instead of applying US-centric borrower qualification requirements.
How HomeAbroad Structured the DSCR Loan
At HomeAbroad, we structured this investment property purchase using a DSCR loan tailored specifically for foreign investors acquiring US rental property.
Rather than qualifying the borrower based on personal income or credit history, we evaluated the relationship between the property’s income profile and the proposed mortgage payment. The loan was structured with a 25 percent down payment and a 30-year fixed term, providing long-term payment predictability.
The final structure allowed the investor to move forward without establishing US income documentation while still securing competitive, stable financing.
Loan Process Timeline
Stage | Date | Details |
|---|---|---|
Registration | December 3, 2025 | Property and borrower details submitted to HomeAbroad |
Loan Program Selection | Late September 2025 | HomeAbroad matched the borrower with the LFC Non QM Full Doc program |
Underwriting Review | Early October 2025 | Verification of UK income and financial records |
Final Approval | Mid October 2025 | Loan cleared after full document review |
Closing | January 6, 2026 | Completed within the planned December–January window |
- Loan registration: Property and borrower details submitted to HomeAbroad
- Underwriting review: DSCR structure and loan terms evaluated
- Approval: Loan approved under foreign national DSCR guidelines
- Closing: Completed within the planned December-January window
The process remained efficient because the structure was aligned from the outset.
Property Details:
Why This Deal Worked
Several factors contributed to the smooth execution of this case:
-
The loan was structured around property income rather than borrower income - The down payment level aligned with DSCR requirements for foreign nationals
- A fixed-rate term provided long-term payment stability
- Documentation expectations were aligned early
- HomeAbroad underwrote the case with a clear focus on structure and predictability
What Other Investors Can Learn From This Case
- DSCR loans allow foreign nationals to qualify based on property income
- US credit history and tax returns are not required for DSCR qualification
- Single-family rentals can be financed effectively under DSCR structures
- Fixed-rate DSCR loans support long-term investment planning
Final Takeaway
This case shows how DSCR financing can be used by 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 UK investor purchase a Florida single-family rental with clarity and confidence.
FAQs
Can UK investors use DSCR loans to buy rental property in the US?
Yes. At HomeAbroad, DSCR loans are available for UK investors and other foreign nationals who want to qualify based on property income rather than personal earnings.
Is US credit history required for a DSCR loan?
No. DSCR loans are underwritten using property income and do not require a US credit score.
Are DSCR loans available with fixed interest rates?
Yes. DSCR loans can be structured with long-term fixed-rate terms, including 30-year fixed options.
