Foreign National (No U.S. FICO) & ITIN Investor DSCR Credit-Box & Multi-Currency Reserve Desk
Compare U.S. investment property financing for non-resident Foreign Nationals (Canadian, UK, EU, Latin American, Middle Eastern, and APAC investors with zero U.S. credit score) and ITIN borrowers, including U.S. LLC + EIN + U.S. depository account structuring and multi-currency liquidity conversion.
2. USD Liquidity, Down Payment & U.S. Depository Reserve Verification
Max LTV & Loan
70% LTV
Loan: $385,000 USD
Down Payment + Closing
$176,550
Down: $165,000 + Est. Closing
Required PITIA Reserves
$41,400
12 Months PITIA in U.S. Bank
Converted USD Liquidity
$252,000
Surplus: +$34,050 USD
| Underwriting Dimension | Foreign National DSCR (No U.S. FICO) | ITIN Non-QM / DSCR Investor |
|---|---|---|
| Credit Score Requirement | No U.S. FICO required (Canadian Equifax/TransUnion or 2 Intl Bank Reference Letters) | 660–680+ U.S. Credit Bureau score tied to valid IRS ITIN letter (CP565) |
| Max Purchase / Refi LTV | Up to 70%–75% Purchase · 65%–70% Rate/Term · 60%–65% Cash-Out | Up to 75%–80% Purchase · 75% Rate/Term · 70% Cash-Out |
| Entity & Banking Structure | U.S. Single-Purpose LLC + IRS EIN + U.S. Depository Account for ACH Auto-Draft | U.S. LLC or Individual Vesting + U.S. Bank Account (2 months statements) |
| Post-Closing Liquidity Reserves | 12 Months PITIA reserves held in U.S. financial institution prior to closing | 6 Months PITIA reserves (foreign or domestic statements accepted) |
Pinned #1 Foreign National & ITIN Desk: Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229
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