Debt Service Coverage Ratio (DSCR) Loan

“Unlock property potential with income-driven financing”

HomeAbroad’s DSCR Loan is ideal if you prefer not to use personal income for qualification. It features a straightforward and speedy approval process, focusing on your property’s cash flow positivity to qualify you.

Excellent

No W2s, Paystubs, or Tax Returns Required

No Personal Income Verification

No Minimum DTI (Debt-to-Income) Required

No US Credit Check for Foreign Investors

Program Features

Features	Domestic Investors	Foreign Investors
DSCR Ratio	1 or Higher (No Ratio DSCR Program Available)	>= 1 for best terms, <1 eligible with higher down payment
Credit Score	Minimum 620	No US credit needed
Down Payment	20%	25%
LTV Ratio	Up to 80% for Purchase and Rate/Term Refinance, Up to 75% for Cash Out Refinance	Up to 75% for Purchase and Rate/Term Refinance, Up to 70% for Cash Out Refinance
Cash Reserves	2 months	6 months
Property Use	Investment properties (residential and commercial)	Investment properties (residential and commercial)
Loan Amount	$75K – $10M	$75K – $10M

Get a DSCR Loan in 5 Quick Steps

Submit Your Basic Details

Talk to Our Loan Officers

Find the Right Investment Property

Apply for a DSCR Loan

Secure Your Loan Approval

Why HomeAbroad Loans?

Investor Focused

HomeAbroad Loans specializes in serving both domestic and international investors, providing tailored solutions that cater to the unique needs of a diverse clientele.

Fast Approvals

Our advanced technology platform streamlines the loan application process, allowing for faster approvals in under 30 days.

AI-Enabled Platform

Our AI-powered platform allows investors to search for properties, connect with international real estate experts, and qualify for mortgages without a US credit history—all in one place.

What Our Clients Say

Excellent

Organized and Professional

“Highly organized, professional & clear. Rachel explained foreigner loan options thoroughly, giving me all I needed to decide confidently.”

Yassin Farhat

Non-US Resident Investor

Seamless Experience

“As a visa holder, I was confused about buying a home in the US. HomeAbroad guided me end-to-end—even found a Chinese-speaking realtor. Great experience!”

Tony Xu

Non-Resident Chinese Investor

Definitely Recommended

“I bought my first US property with HomeAbroad. Rachel was helpful, from browsing to pre-approval. The mortgage took 1–2 months, which was fine for a foreign national. I’d use them again!”

Kol Polen

Non-Resident Buyer

Definitely Recommended

“My wife and I wanted a home in the US to be closer to our grandkids. HomeAbroad helped us find the perfect home and secure financing without US credit. Michele guided us every step. We couldn’t be happier!”

Thomas Van Zyl

US Newcomer on Immigrant Visa

Definitely Recommended

“I bought my first US property with HomeAbroad. Rachel was helpful, from browsing to pre-approval. The mortgage took 1–2 months, which was fine for a foreign national. I’d use them again!”

Kol Polen

Non-Resident Buyer

Quick and Trustworthy

“Highly organized, professional & clear. Rachel explained foreigner loan options thoroughly, giving me all I needed to decide confidently.”

Yassin Farhat

Non-US Resident Investor

Best Choice for Foreign Investors

“Jason Saylor gave personalized attention and made the process easy to understand. Despite differences with my home country, HomeAbroad’s advisors were always ready to assist. Highly recommend!”

Alvaro A

Newcomer on H1-B Visa

Understands Cultural Differences

“HomeAbroad isn’t just another company. Jason Saylor made the financial process easy, clear, and secure. They accommodated my home country’s differences and helped us secure our first US investment.”

Jose Luis

Non-US Resident from Spain

Ready to Join Our Happy Family of Satisfied Clients?

FAQs

Didn’t find what you were looking for? Explore our DSCR loan resource library.

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Unlike conventional loans that require personal income verification, DSCR loans focus on the cash flow from your investment property. Learn more in our DSCR loan guide.

How is DSCR calculated?

DSCR is calculated by dividing annual gross income by PITIA (Principal, Interest, Taxes, Insurance, and HOA). This ratio indicates a property’s ability to cover its debt obligations. Use HomeAbroad Loans’s DSCR calculator to find out your ratio and check your eligibility for a DSCR loan.

How does a DSCR loan work?

DSCR loans work by assessing a property’s income potential. The property’s income should be equal to or greater than its mortgage payments, taxes, insurance, and HOA. We also accommodate cases with lower property incomes. Visit our detailed DSCR loan guide for more information.