International & ITIN Investor Desk
Foreign National & ITIN DSCR Loans in Florida.
US banks turn away non-resident investors who lack a Social Security Number, US tax returns, or domestic credit history. We finance 1-4 unit rentals, coastal condos, and multifamily assets up to 70% LTV using the property's rental income, a valid passport, and a US LLC.
Up to 70%
Purchase & Refi LTV
Zero
US Credit Score Needed
Zero
US Tax Returns or W-2s
30-Yr Fixed
Or 10-Year Interest-Only
How International & ITIN Qualification Works
Passport + US LLC + US Bank Account
Non-US citizens living abroad qualify without a Social Security Number or US FICO score. Form a single-purpose Florida or Delaware LLC, open a US business bank account for ACH servicing, and close with your valid passport.
ITIN Investors up to 75% LTV
ITIN holders residing in the United States with established ITIN credit history can access up to 75% LTV on 1-4 unit rentals and small multifamily properties without personal tax returns.
Miami & Coastal Non-Warrantable Condos Eligible
International buyers frequently acquire units in Brickell, Edgewater, Sunny Isles, Aventura, Fort Lauderdale, and Orlando resort communities. We fund both warrantable and non-warrantable investor condos.
Remote / Embassy / RON Closing Options
You do not have to fly into Miami solely to sign closing documents where Remote Online Notarization (RON) or consulate/apostille execution is approved by title.
Foreign National & ITIN DSCR FAQs
Do Foreign National borrowers need a US credit report or credit reference letters?+
No US credit score is required on our Foreign National DSCR desk. Depending on the program tier, we underwrite directly off the property's rental coverage (or 50% LTV equity under The Bulletproof 50) with a valid foreign passport, US LLC, and verified liquid funds.
Can Foreign Nationals do a cash-out refinance on a Florida rental or condo they bought in cash?+
Yes. Many Canadian, Latin American, European, and Israeli investors buy South Florida properties in cash to win the contract and then pull up to 65%-70% LTV back out on a 30-year fixed DSCR cash-out refinance.
Are Short-Term Rentals (Airbnb/VRBO) eligible for Foreign National financing?+
Yes. Properties in approved short-term rental zones across Miami-Dade, Broward, Palm Beach, and Osceola/Orange County can qualify using trailing STR payouts or appraiser market rent schedules.