Foreign National DSCR Loans by State

Why Foreign National investors choose Total Quality Lending

• Designed for Foreign National investors — no U.S. citizenship or permanent residency required
• Qualify on the property’s rental cash flow — no personal income, W-2s, or U.S. tax returns
• Up to 75% LTV for purchase (DSCR ≥ 1.00, $1.0M loan)
• Eligible with a 680+ U.S. credit score OR no U.S. credit score
• Loan amounts from $150,000 to $1,500,000
• First-time investors allowed
• Short-term rentals (Airbnb, VRBO, FlipKey) eligible — gross rents × 0.80 / PITIA
• Cash-out can be used to satisfy reserve requirements

Full-program states (21)

States where Total Quality Lending offers Traditional + Business-Purpose loans, including Foreign National DSCR.

• Washington Foreign National DSCR
• Oregon Foreign National DSCR
• Idaho Foreign National DSCR
• California Foreign National DSCR
• Arizona Foreign National DSCR
• Colorado Foreign National DSCR
• Texas Foreign National DSCR
• Minnesota Foreign National DSCR
• Wisconsin Foreign National DSCR
• Michigan Foreign National DSCR
• Iowa Foreign National DSCR
• Illinois Foreign National DSCR
• Indiana Foreign National DSCR
• Ohio Foreign National DSCR
• Tennessee Foreign National DSCR
• North Carolina Foreign National DSCR
• South Carolina Foreign National DSCR
• Georgia Foreign National DSCR
• Alabama Foreign National DSCR
• Florida Foreign National DSCR
• Connecticut Foreign National DSCR

DSCR & business-purpose states (22)

States where Total Quality Lending offers Business-Purpose loans only, including Foreign National DSCR.

• Montana Foreign National DSCR
• Wyoming Foreign National DSCR
• Nebraska Foreign National DSCR
• Kansas Foreign National DSCR
• Oklahoma Foreign National DSCR
• New Mexico Foreign National DSCR
• Missouri Foreign National DSCR
• Arkansas Foreign National DSCR
• Louisiana Foreign National DSCR
• Mississippi Foreign National DSCR
• Kentucky Foreign National DSCR
• West Virginia Foreign National DSCR
• Virginia Foreign National DSCR
• Pennsylvania Foreign National DSCR
• New York Foreign National DSCR
• Massachusetts Foreign National DSCR
• New Jersey Foreign National DSCR
• Delaware Foreign National DSCR
• Maryland Foreign National DSCR
• Washington, D.C. Foreign National DSCR
• New Hampshire Foreign National DSCR
• Maine Foreign National DSCR

Related loan programs

Foreign National DSCR is one of several investor and non-QM programs at Total Quality Lending. Explore the other product hubs.

• DSCR Loans

  Investor loans that qualify on the property's rental cash flow. Up to 80% LTV, FICO from 640, loans to $3.5M.

• Multi-Unit DSCR (5–8 / 2–8 Mixed Use)

  Larger residential and mixed-use multifamily. Up to 75% LTV, loans $400K–$2M for experienced investors.

• Prime Time (Standard + Alt Doc)

  Standard Doc and 6 alt-doc paths — bank statements, P&L, 1099, written VOE, asset utilization. Up to 90% LTV, loans to $4M.