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.  

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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

FeaturesDomestic InvestorsForeign Investors
DSCR Ratio
0.75 or higher 0.75 or higher
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
3 months 6 months
Property Type
Investment properties (residential and commercial) Investment properties (residential and commercial)
Loan Amount
$75K – $10M $75K – $10M

Get a DSCR Loan in 5 Quick Steps 

1

Submit Your Basic Details

2

Talk to Our Loan Officers

3

Find the Right Investment Property

4

Apply for a DSCR Loan

5

Secure Your Loan Approval

Get Started

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. 

Hear How We Turned Dreams into Reality 

Excellent5 stars review
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Easy Process
HomeAbroad Loans streamlined the process of securing a foreign national loan. Their team handled all the details, making it a smooth experience from start to finish
Alex Smith
Canadian Investor without a Visa
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Clear Guidance for Non-Residents
Navigating the US mortgage market as a non-resident seemed daunting, but HomeAbroad Loans made it straightforward and clear. They provided excellent support throughout.
Mason Delgado
UK Investor without a Visa
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Best for High DTI Borrowers
I struggled to get traditional mortgages due to my high DTI, but HomeAbroad Loans offered a tailored DSCR loan that focused on my property’s cash flow, not my personal income. The process was easy, and I qualified quickly.
Ethan Taylor
US Investor
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Perfect Fit for Self-Employed Investors
As a self-employed investor, I found it tough to meet the income requirements of regular loans. HomeAbroad Loans provided a DSCR loan that didn’t need proof of personal income, just the property’s rental income. It was the perfect solution!
Ryan Bennett
Self-employed US Investor
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Simplified Loan Process
Managing multiple properties made it hard to get traditional loans. HomeAbroad Loans’ DSCR loan streamlined the process by focusing on cash flow, not my personal income, which was a game-changer for expanding my portfolio.
James Parker
US Investor
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DSCR Loans Made US Investing Easy
As a foreign investor, qualifying for a US mortgage felt impossible until I found HomeAbroad Loans. Their DSCR loan focused on my property’s income, not my personal income, and required no US credit check, making it easy for me to qualify.
Rajesh Sharma
Indian Investor on an H1B Visa
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Ideal for Foreign Investors
Being a non-resident investor without US credit history, I found it challenging to get traditional financing. HomeAbroad Loans’ DSCR loan didn’t require a credit check, making it ideal and only financing option for me.
Mei Ling Zhang
Non-Resident Chinese Investor
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Quick Approval
With no US credit history, I struggled to get a mortgage. HomeAbroad Loans offered a DSCR loan based on my property’s cash flow, and I got approved without any hassle.
Nikolai Petrov
US Investor

Ready to Join Our Happy Family of Satisfied Clients?

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FAQs

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

DSCR Loan Guides

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.

What are you waiting for?

Begin your US real estate investment journey with HomeAbroad—we offer everything you need to succeed.

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