Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
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Okissa
Purchased Investment Property in Tampa.
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Valid Passport
Current passport from your home country
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Proof of Funds
Bank statements showing down payment + 6 months reserves
Missouri has more than 6,000 caves tucked beneath its surface, earning it the nickname “The Cave State.” But it’s not just what’s underground that’s worth exploring. Above ground, Missouri offers some of the most overlooked real estate opportunities in the country.
Whether it’s the vibrant rental markets of Kansas City, the historic neighborhoods of St. Louis, or the vacation appeal of Lake of the Ozarks, this state delivers a mix of affordability, demand, and strong rental yields for international investors.
Many foreign nationals I’ve worked with get stuck trying to qualify for traditional loans due to a lack of US credit history. That’s where HomeAbroad’s DSCR loans come in. Our loans don’t rely on personal income or tax returns, We approve them based entirely on the property’s rental income.
So whether you’re buying a cozy duplex in a college town or a lakefront short-term rental, DSCR loans from HomeAbroad give you a clear, straightforward path to building a profitable portfolio in Missouri.
DSCR Loan Missouri Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
DSCR Loan Missouri Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
Cash Reserves
6 months
Where We Lend DSCR Loans in Missouri
With HomeAbroad, international real estate investors can access DSCR loans throughout Missouri, covering key markets such as St. Louis, Kansas City, Springfield, and others.
Here are a few cities where we lend DSCR Loans in Missouri:
Branson
St. Louis
Kansas City
Springfield
Osage Beach
Lake Ozark
Columbia
Camdenton
Sunrise Beach
Hollister
Columbia
Wentzville
Chesterfield
Kimberling City
Joplin
Missouri Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Missouri’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
A DSCR loan (Debt Service Coverage Ratio loan) is an investment property mortgage that qualifies you based on the property’s rental income rather than your personal income. Instead of focusing on tax returns or employment records, the approval centers on whether the rent can support the full monthly ownership costs.
This approach fits Missouri particularly well. Many Missouri investment deals are evaluated on cash flow and affordability, not on high-income borrower profiles. For foreign nationals, that matters because traditional US lending standards often expect domestic credit history and income documentation that simply don’t apply to international investors.
What we see often is international real estate investors spending unnecessary time trying to reshape their profiles to meet conventional loan requirements. DSCR lending removes that mismatch by treating the property as the qualifying asset, which aligns naturally with Missouri’s rent-supported investment markets.
How DSCR is Calculated?
The Debt-Service Coverage Ratio (DSCR) measures whether a property’s rental income can cover its mortgage obligations. It’s a key metric we use to assess loan eligibility from an investment perspective.
Here is the DSCR formula:
Example:
Calculating the DSCR Ratio for Missouri Property:
Avg. Home Price in Missouri: $250,000
Loan Term: 30 Years
Interest Rate: 6.9%
Monthly Mortgage Payment(PITIA): $1,100
Avg. Rent in Missouri: $1,500
DSCR = $1,500÷ $1,100
DSCR = 1.36
Monthly Positive Cash Flow: $400
A DSCR of 1.36 indicates that the property generates 36% more income than the mortgage payment, signaling a substantial cash flow investment. Use our DSCR Ratio Calculator, just enter your financial details, and you are good to go!
Our DSCR loans are designed to qualify you based on a property’s income potential. A standard DSCR loan works by ensuring the monthly gross rent is equal to or greater than the mortgage payment (PITIA), which means your DSCR is 1.0 or higher. This is the ideal scenario that qualifies you for the best terms.
However, we understand that not every property's rental income will meet this threshold, which is why we also offer our No-Ratio DSCR Program, for properties with DSCR between 0 - 1. With the No-Ratio program, you can still secure financing, though it will require a slightly larger down payment (a 5% hit to LTV) and a higher interest rate. This option is perfect for investors with a strong long-term strategy who want to acquire properties that may not immediately cash-flow at a 1.0 ratio.
“We’ve worked on many deals where the initial DSCR wasn’t the headline strength, but the long-term fundamentals were. Properties in solid locations with durable demand often grow into stronger ratios over time as rents adjust and debt stays fixed. That’s exactly where our No-Ratio DSCR program fits best.”
Benefits of DSCR Loans in Missouri
DSCR loans offer several advantages for foreign nationals investing in Missouri:
1) Qualify based on rental income, not personal income
DSCR underwriting centers the deal on the property’s cash flow potential, which can be significantly more workable for international investors than traditional income-based approval.
2) No US credit history
Foreign nationals do not need US credit score to qualify for HomeAbroad’s DSCR Loan.
3) Portfolio scaling is easier
Because DSCR approval is tied primarily to the property’s economics, it is often more repeatable across multiple acquisitions than personal-income underwriting.
4) Works with investor ownership structures
If your operating plan involves LLC ownership, property management workflows, and clean portfolio accounting, DSCR tends to align naturally with that strategy.
5) Clear underwriting inputs, fewer surprises
DSCR keeps the underwriting conversation anchored to rent support and monthly carry costs. The reason this matters is that investors avoid “paper approvals” that only work until insurance, taxes, or HOA dues are finalized.
Case Study: H1B Visa Holder Invests in St. Louis Rental with a DSCR Loan
Aarav Mehta, an Indian professional working in the US on an H1B visa, wanted to invest in a rental property to generate passive income. He identified a cash-flowing duplex in Kansas City, Missouri, but couldn’t qualify for a conventional loan due to his short US credit history and temporary visa status
The Solution: HomeAbroad’s DSCR Loan
Aarav turned to HomeAbroad for a DSCR loan, which allowed him to qualify based entirely on the property’s projected rental income no US credit score or long-term visa requirement needed.
HomeAbroad’s mortgage team secured a 7.25% interest rate, which brought the property’s debt-service ratio into an acceptable range and enabled him to qualify for a $349,000 loan. The loan closed in under 30 days, and the rental income now fully covers his monthly mortgage payments, turning it into a stable, income-generating investment.
Loan Amount: $341,000
Purpose: Purchase of an investment property
Loan Type: 30-year fixed-rate
Interest Rate: 7.25%
Time to Close: 27 days
Why This Worked for Aarav:
No US Credit History Required: Aarav was evaluated based on the property’s income, not his limited US credit profile perfect for a recent visa holder.
Tailored Loan Terms: HomeAbroad structured the loan to meet the required DSCR, locking in a favorable interest rate and closing within a month.
Strong Rental Income: With a DSCR of 1.23, the property’s income more than covered the mortgage payments, ensuring positive cash flow from day one.
“With DSCR loan, we focused on his property’s cash flow, not his income turning financing hurdles into a seamless investment. Now, he’s building equity and enjoying steady cash flow without the usual mortgage limitations.”
Missouri Rental Market Overview
Missouri’s rental market is supported by affordability, diversified employment, and renter demand tied to healthcare, education, logistics, and manufacturing. In cities like Kansas City, St. Louis, and Columbia, many renters are long-term occupants rather than short-term movers, which helps keep rental income more stable at the property level.
As per our data, the key market statistics for 2025 are:
Median gross rent in Missouri: approximately $1,350 per month
Median value of owner-occupied housing units: around $254,019 statewide
Median selected monthly owner costs with a mortgage: $1,478
Owner-occupied housing unit rate: 68.6%
Top Places to Invest in Missouri with a DSCR Loan
Missouri offers a strong income profile for real estate investors. As per our data, the state averages rental yields of around 6.3%, which gives investors meaningful room to structure DSCR loans around realistic rent-to-payment alignment. That yield profile, paired with relatively low entry prices across many cities, makes Missouri especially workable for income-focused foreign nationals using DSCR financing.
Here are some of the top-performing cities in Missouri to consider for your next DSCR loan investment:
City
Rental Type
Rental Yield
Branson
Short-Term
16.7%
Columbia
Short-Term
11.6%
St. Louis
Long-Term
8.8%
Kansas City
Long-Term
6.9%
Springfield
Long-Term
6.4%
Branson: Missouri’s Tourism-Driven Gem
Branson thrives on tourism, known for its theaters, lakes, and attractions that draw millions of visitors annually. This steady stream of travelers creates strong demand for vacation rentals in key neighborhoods close to entertainment zones.
Median Home Price: $262,087
Average Rent: $1,491
What this means for investors: Branson’s consistent visitor volume and solid nightly rates make it an excellent choice for investors aiming to generate strong income and meet DSCR loan requirements comfortably.
Investment Properties Listed Today on Sale in Branson
Columbia, home to the University of Missouri, blends small-city charm with a lively cultural and academic scene. Events, sports, and a growing healthcare sector support a healthy rental market throughout the year.
Median Home Price: $317,506
Average Rent: $1,350
What this means for investors: Columbia’s steady event-driven rental activity and affordable home prices offer a practical entry point for investors looking for reliable income to qualify for DSCR financing.
Investment Properties Listed Today on Sale in Columbia
St. Louis offers a diverse economy backed by healthcare, education, and logistics, making it a resilient rental market. The city’s mix of urban and suburban neighborhoods attracts a broad range of tenants year-round.
Median Home Price: $317,506
Average Rent: $1,350
What this means for investors: St. Louis offers dependable cash flow opportunities with relatively low home prices, helping investors easily align with DSCR loan requirements.
Investment Properties Listed Today on Sale in St. Louis
Kansas City combines cultural vibrancy with economic growth, driven by strong employment sectors and an expanding downtown. The city’s ongoing development and infrastructure projects continue to support tenant demand.
Median Home Price: $251,923
Average Rent: $1,465
What this means for investors: Kansas City’s balanced mix of affordability and strong rental demand makes it a solid option for investors focused on cash flow and long-term value.
Investment Properties Listed Today on Sale in Kansas City
Springfield stands out for its affordability and stable rental activity. A strong healthcare presence, educational institutions, and tourism contribute to its steady housing market.
Median Home Price: $240,998
Average Rent: $1,291
What this means for investors: With accessible price points and dependable rental income, Springfield offers a low-barrier path for investors seeking to qualify for DSCR loans.
Investment Properties Listed Today on Sale in Springfield
Missouri Specific DSCR Underwriting Factors that Investors Overlook
Tornado Risk and Insurance Coverage Gaps
Missouri sits within Tornado Alley, and while base insurance premiums are often reasonable, the reason this matters is coverage detail. What we see often is investors assuming wind damage is fully covered, only to discover exclusions or high deductibles after binding. This is especially relevant in suburban areas around Kansas City and St. Louis, where supplemental windstorm coverage may be needed to keep DSCR assumptions intact.
Property Taxes and Local Levy Variations
Missouri’s headline property tax rates look moderate, but actual tax bills can vary sharply by county and school district. Small differences in millage rates directly affect PITIA and can shift a deal from passing to failing DSCR, especially for investors underwriting close to minimum thresholds.
Short-Term Rental Rules Are City-Driven
Missouri does not regulate short-term rentals at the state level, but cities increasingly do. What most guides don’t mention is that DSCR underwriting relies on legally permitted rental use, not projected income. In cities tightening STR rules, permits, inspections, or HOA bans can invalidate income assumptions if not verified early.
Strategic & Future Considerations for Foreign Nationals Investing in Missouri
Missouri continues to attract international real estate investors who prioritize income stability, lower entry prices, and long-term portfolio efficiency. Looking ahead, several state-specific dynamics are likely to shape how foreign nationals approach DSCR-backed investments.
1. Central Location and Logistics Growth
Missouri’s central position in the US supports ongoing investment in logistics, warehousing, and distribution. Expansion around Kansas City and St. Louis continues to create rental demand tied to transportation, manufacturing, and supply-chain employment rather than short-term cycles.
2. Urban Revitalization in Core Cities
Parts of St. Louis and Kansas City are seeing targeted redevelopment focused on mixed-use projects and neighborhood infill. For foreign nationals, entering these areas early can mean stronger rent growth potential while still maintaining DSCR-friendly entry prices.
3. Growing Appeal of Secondary and Lifestyle Markets
Markets such as the Lake of the Ozarks and university-driven towns are drawing interest from both long-term renters and short-term occupants. These areas offer diversification beyond major metros, but require careful review of rental rules and seasonality when underwriting DSCR.
Missouri DSCR Loan FAQs
Can foreign nationals apply for DSCR loans in the state of Missouri?
Foreign nationals can apply for DSCR loans through HomeAbroad without needing a US credit score, making it a flexible financing option for international real estate investors.
Can I purchase and close remotely from outside the US?
Yes. HomeAbroad supports remote purchases and closings, coordinating the process end to end for international investors.
How long does it take to get a DSCR loan in Missouri?
At HomeAbroad, we streamline the application process to ensure a smooth experience from loan application to closing. We guarantee that the closing will happen within 30 days.
Can I buy through an LLC?
Yes, You can buy Minnesota Property using LLC. HomeAbroad assists investors in structuring purchases that align with LLC ownership and portfolio accounting needs
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
🌍
Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Missouri real estate.
🤖
AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Missouri using smart algorithms.
⌚
Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
🤝
500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Missouri.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
