Foreign National & ITIN DSCR Underwriting
Bottom Line Up Front (BLUF): Foreign National and ITIN wholesale DSCR shelves allow international investors and ITIN holders to acquire U.S. cash-flowing rental properties inside a U.S. LLC without a U.S. Social Security Number or domestic FICO score.
Underwriting Formula / Rule
Qualifying: Passport/Visa or ITIN + U.S. LLC + 6–12 Months Reserves + 1.00x–1.20x DSCR.
Wholesale Shelf Benchmark
Up to 75% LTV Purchase and 65%–70% LTV Refinance across 16+ wholesale shelves.
Frequently Asked Underwriting Questions
Do Foreign National borrowers need a U.S. bank account?
Most wholesale shelves require opening a U.S. LLC business checking account prior to closing for automated ACH monthly payments.
Arranged by Loan Daddy LLC (NMLS #2827624 · (480) 485-1229 · quotes@loandaddy.ai). Business-purpose investment properties only.