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Key Takeaways:
1. While there is no true "no credit check loan," various flexible credit score loan options exist for real estate investors with poor credit history.
2. The term "no-credit-check investment property loans" primarily refers to US mortgage programs designed for foreign investors without a FICO score.
3. Foreign nationals can access options such as DSCR loans and other alternative financing programs that do not require a traditional US credit history.
At HomeAbroad, we understand the challenges foreign nationals face when seeking real estate financing without a US credit history.
Take our client, Ana Gomez, an entrepreneur from Mexico. She aimed to expand her real estate investments into the US but encountered a significant obstacle—no US credit score required.
At HomeAbroad, we specialize in helping foreign investors like Ana through our no-credit-check global investor mortgage programs. These programs are tailored for foreign investors without a credit score, using alternative methods to assess creditworthiness or bypassing credit history altogether. This allows them to achieve their real estate goals in the US.
Explore our guide to learn how non-US buyers can secure financing with less-than-perfect or no credit.
Table of Contents
What are the Mortgage Options for Investors without a US Credit History?
Continuing with our client Ana’s case, when she came to us at HomeAbroad, she was facing the challenge of having no US credit history. For investors like Ana, we offer No-Credit-Check Investment Loans.
What is a No Credit Check Investment Loan?
No-Credit-Check Investment Mortgages from HomeAbroad are tailored loan programs designed primarily for foreign investors who do not have a US credit score.
Unlike conventional loans, which rely heavily on credit reports, these programs use alternative assessments to evaluate an investor’s overall financial health. This approach allows individuals like Ana to secure a mortgage for her investment property in Orlando without the typical barriers.
For US investors with less-than-perfect credit scores, while there isn't a "true" no credit check investment mortgage program, HomeAbroad offers tailored loan options that consider the complete financial picture instead of relying solely on credit scores. Our flexible underwriting process takes into account factors such as on-time payments, overall payment history, and debt-to-income ratio (DTI).
Additionally, the property itself is considered collateral, which reduces lending risk and allows investors with lower credit scores to qualify for an investment property mortgage.
HomeAbroad specializes in these non-traditional investment programs, and our NMLS-licensed mortgage officers can help you qualify for the best foreign national loan program with the most competitive terms.
Get a rate quote today!
We now know what No Credit Check Loans are, but are these loans real?
Are No-Credit-Check Investment Mortgages Real and Not Any Marketing Gimmick?
Yes, No-Credit-Check Investment Mortgages are real and not just a marketing gimmick. According to a Morgan Stanley 2025 report, the challenging money loan market has seen substantial growth due to tightening traditional bank lending and increased demand for flexible financing options.
The private credit market, which includes no-credit-check loans, was valued at approximately $1.5 trillion at the start of 2024 and is projected to grow to $2.6 trillion by 2029.
This growth reflects significant demand among real estate investors, especially those with less-than-perfect credit or no US credit history, who are increasingly turning to alternative financing options, such as no-credit-check loans.
If you still have doubts, check this case study of one of our clients, a UK investor, who initially felt uncertain due to no US credit history but ultimately secured a DSCR loan for his rental property in Sarasota, Florida, through our loan program. His success story demonstrates that these loan programs are both real and effective.
Specific qualification methods depend on the loan program, which we will detail in the next section.
Types of No Credit Check Investment Property Loans & How They Work
When Ana Gomez approached HomeAbroad, she had no idea that there were multiple types of no-credit-check loans available to help her achieve her investment goals.
Like many foreign investors, Ana needed a loan that didn’t hinge on her credit score but rather on the property’s value and income potential.
At HomeAbroad, we offer several loan programs designed specifically for situations like Ana’s. These loans are ideal for foreign investors.
Investment Property Loans for Foreign Investors with No US Credit
A good credit score is a must for mortgage qualification. This fact has led many foreign investors to think they can’t get a US mortgage without building a credit history in the US. This is not true.
Below are the no-credit-check investment property loans available for foreign real estate investors.
1. Full Documentation Loans
This loan is specifically designed for foreign real estate investors and primary residence buyers with no/thin US credit history. It requires extensive documentation of income, assets, and employment, as well as an international credit report.
An international credit report is a credit report from your home country, which is an alternative to the traditional US credit check. With this, we can assess your creditworthiness and approve the loan.
Requirements for Full Documentation Loans:
Features | Foreign Investors |
|---|---|
Debt-to-Income Ratio: | Less than 43% |
Credit Score: | No US credit needed |
Down Payment: | 20%-25% |
Loan Term: | Up to 30 Years |
Cash Reserves: | 6 months |
Income Documents: | Foreign income and asset documents. International Credit Report or alternative proof of creditworthiness from the home country |
2. DSCR (Debt Service Coverage Ratio) Loans
DSCR loans allow investors to obtain a mortgage based on their property’s rental income rather than their personal income. While US-based investors need to have a specific credit score, it does not apply to foreign real estate investors.
DSCR loans for foreign nationals do not require an international credit report, unlike full documentation loans, which makes the loan qualification process more convenient.
To qualify for a DSCR loan, the property must generate sufficient rental income to cover its debt obligations.
Requirements for DSCR Loans:
Features | Requirements |
|---|---|
DSCR Ratio | >= 1 for best terms, <1 eligible with a higher down payment. We provide DSCR Loans for foreign nationals with a DSCR ratio as low as 0.75, meaning you are eligible even if your rental covers just 75% of the mortgage. |
Credit Score | No US 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 | >=$100K – $10M |
Pre-qualify for a DSCR Loan in a Few Clicks.
No Paystubs, W2s, or Tax Returns Required.
3. Bridge Loans
Bridge loans are short-term financing options that help investors bridge the gap between purchasing a new investment property and securing permanent financing, or between selling an existing property and securing permanent financing.
The new property or other collateral typically secures these loans. Bridge loans are ideal for foreign investors who don’t have US credit and need immediate financing to seize a real estate opportunity.
Requirements for Bridge Loans:
Features | Foreign Investors |
|---|---|
Credit Score: | No US credit needed |
Down Payment: | 30% |
Loan Term: | 6-24 Months |
Loan Amount: | $150K – $10M |
LTV Ratio (Purchase): | Up to 70% |
LTV Ratio (Rate Term Refinance): | Up to 70% |
LTV Ratio (Cash Out Refinance): | Up to 65% |
Other Requirements: | Proof of existing property equity, an exit strategy for loan repayment, and a property appraisal |
4. Fix and Flip Loans
Fix-and-flip loans are short-term loans used by real estate investors to purchase and renovate properties before selling them for a profit. While US investors need to have a specific credit score, this requirement does not apply to foreign investors.
Instead, these loans focus on the property’s after-repair value (ARV), making them a viable option for foreign investors with no US credit history.
Requirements for Bridge Loans
Features | Foreign Investors |
|---|---|
Credit Score: | No US credit needed |
Down Payment: | 25%-30% |
Loan Term: | 6-24 Months |
Loan Amount: | $150K – $5M |
LTC (Loan-to-Cost): | Up to 85% |
Rehab Cost: | Up to 100% |
ARV (After Repair Value): | Up to 75% |
Other Requirements: | A detailed renovation plan with cost estimates and Proof of previous successful flip projects may be required. |
Having doubts? Unsure if these loans are right for you? Let’s find out together.
Is a No Credit Check Investment Property Loan Right for You?
When Ana Gomez first approached us at HomeAbroad, she wasn’t sure if a no-credit-check investment property loan was the right choice for her. Like many investors, she had concerns about whether these types of loans would meet her needs and allow her to achieve her real estate goals.
No credit check loans are designed specifically for investors who may have challenges with their credit history—whether that’s due to a lack of a US credit score, as in Ana’s case, or due to other financial difficulties. These loans offer flexibility in terms of qualification and approval, focusing more on the property’s value and income potential than on the borrower’s credit score.
However, determining if a no-credit-check loan is the right fit for you involves considering several factors:
-
Your Financial Situation: If you, like Ana, have a non-traditional income source, no US credit history, or a less-than-perfect credit score, these loans can offer a path forward that traditional loans might not. They allow you to leverage the value of the property or its potential income rather than your credit history. - Investment Goals: Are you looking to capitalize on an investment opportunity quickly? No-credit-check loans, such as Hard Money Loans or Bridge Loans, are ideal for investors who need fast financing to close deals or bridge financial gaps.
- Property Potential: These loans work best when the property has strong potential, whether in terms of current value or income generation. For Ana, the Orlando property’s rental income was the key to securing her DSCR loan. If your property has similar potential, a no-credit-check loan might be an excellent option.
In the end, Ana found that a no-credit-check loan was exactly what she needed to achieve her investment goals in the US. If you’re facing similar challenges or have unique financial circumstances, these loans could provide the flexibility and access you need to succeed in real estate.
Let’s see what Ana had to say about her experience:
I was initially worried that my lack of a US credit history would prevent me from investing in the property I had set my heart on. But HomeAbroad made the process so much easier than I ever imagined. They guided me through every step, and the DSCR loan they offered allowed me to qualify based on the property’s rental income rather than my personal credit. Within just a few weeks, I secured the financing I needed, and now I’m proud to own a thriving rental property in Orlando. HomeAbroad truly made my investment dreams a reality.
Ana Gomez, Mexico
At HomeAbroad, we’re here to guide you through every step of the process, helping you determine if this type of loan aligns with your goals and financial situation. Just like we did for Ana, we’ll work with you to tailor a solution that helps you move forward with confidence.
Secure a No Credit Check Loan for Your Investment Property
Finding the right financing for your investment property starts with choosing a lender who understands your unique financial situation. At HomeAbroad, we specialize in no-credit-check investment loans for both US and foreign investors.
Our expert mortgage officers are dedicated to guiding you through every step, ensuring you access competitive terms and tailored solutions that align perfectly with your investment goals.
Get a rate quote today!
No Credit Check Investment Property Loans: FAQs
Can I buy investment property with bad credit?
Yes, no-credit-check loans allow you to buy investment property even if you have bad credit. These loans use alternative creditworthiness assessment methods to bypass traditional credit checks.
Do no-credit-check loans require collateral?
No-credit-check loans, like hard money loans, require collateral. For instance, hard money loans are secured by the property you are purchasing, allowing you to borrow based on its appraised value.
Can a no-credit-check loan help improve my credit score?
Successfully managing and repaying no-credit-check loans can help improve your credit score over time. It’s essential to ensure timely payments and manage the loan responsibly to see positive effects on your credit score.
How quickly can I get a no-credit-check loan?
No credit check loans typically have a faster approval process compared to traditional loans, and you can qualify for a loan within 30 days with HomeAbroad Loans.
What is the maximum amount I can borrow with a no-credit-check loan?
At HomeAbroad, you can borrow between $75K – $10M with a no-credit-check loan. The exact amount depends on the specific loan program and your profile.
Can I use a no-credit-check loan for any investment property?
Yes, no-credit-check loans can be used for various types of investment properties, including residential, commercial, and rental properties.
At HomeAbroad, we ensure the reliability of our content by relying on primary sources such as government data, industry reports, firsthand accounts from our network of experts, and interviews with specialists. We also incorporate original research from respected publishers when relevant. Discover more about our commitment to delivering precise and impartial information in our editorial policy.
Morgan Stanly: Private Credit Report
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