Debt Service Coverage Ratio (DSCR) Loan for International Investors
“Unlock property potential with income-driven financing”
HomeAbroad’s DSCR Loan is perfect for international real estate investors without U.S. income or credit history. The approval process is fast and straightforward, relying on your property’s cash flow rather than your personal income or U.S. credit profile.


HomeAbroad DSCR Loan Requirements
Features | Requirements |
---|---|
DSCR Ratio | 1 or higher: for best terms, Less than 1: eligible with higher down payment and rate |
Credit Score | No U.S. Credit History Required |
Down Payment | 25% |
LTV Ratio | Purchase: Up to 75% |
Cash Reserves | 6 Months |
Property Use | Investment properties (residential and commercial) |
Loan Amount | $75K – $10M |
Get a DSCR Loan in 5 Quick Steps
Submit Your Basic Details
Fill out the form with your information to get started. Share your specific needs, and our support team will reach out with tailored mortgage solutions and connect you with specialized agents ready to assist.
Talk to Our Loan Officers
Consult with our experienced loan officers to discuss your requirements and explore your options. We are dedicated to guiding you through each step of the process with expert advice and support.
Find the Right Investment Property
Utilize the expertise of our real estate agents and our AI-powered search platform to identify the perfect investment property. We help you find opportunities that align with your financial goals and investment strategy.
Apply for a DSCR Loan
Complete your DSCR loan application through our streamlined process for a smooth and hassle-free experience. Our efficient system ensures a straightforward application process.
Secure Your Loan Approval
Obtain loan approval once the property’s income meets the required criteria. Our team will work with you to ensure everything is in place for a successful approval.

Why HomeAbroad Loans?
Investor Focused
HomeAbroad Loans specializes in serving international real estate 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









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.