Mortgage Solutions for Foreign Investors

 

Tailored Mortgage Solutions for Expats &
Overseas U.S. Residents Living Aborad

Qualify for a loan based on your
property’s cash flow, NOT your personal income.

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Why Invest in U.S. Real Estate

Why Invest in U.S. Real Estate
WITH A DSCR?

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What Is a DSCR?

Debt Service Coverage Ratio (DSCR) measures whether a property’s rental income can cover its mortgage. If it does, you may qualify—no personal income required. A smart option for investors and expats

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Use Your Credit Score

30-year amortization lowers monthly payments and boosts returns. Fixed rate ensures consistent payments as rent rises. Rates are based on your credit scrore.

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No Income Needed

No Employment. No W2's. No tax returns

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Subject Property

A DSCR loan uses rental income to qualify, not personal income. If rent covers the loan, you can qualify.

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What you need to apply for a DSCR loan

1 2 3 4

Minimum credit score of 620

Minimum down payment of 20%

Minimum loan amount of $100,000

Loan Amounts up to $3,000,000

Property’s appraisal

To determine the property’s current market value and rental income.

Property type

DSCR loans can only be used for investment properties that generate rental income.

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Loan Programs + How It Works

Tailored Mortgage Solutions For 

Your Individual Needs

DSCR Loan

Use Rental Income to Qualify for Investment Properties

There are many things to consider with DSCR loans. Our advisors are here to help talk these through:

  • ✔️ Down Payments
  • ✔️ Interest Rates
  • ✔️ Financing
  • ✔️ Use for income-generating properties
  • ✔️ Cash-flow
  • ✔️ Prepayment Conditions
  • ✔️ Qualifying Properties

Full Documentation Loan

Use your foreign or US income, assets & credit to qualify for mortgage for investment, primary home or second home.

Ideal for: Borrowers with verifiable income and credit history.
How it works: Requires full income and asset documentation (e.g., W-2s, pay stubs, bank statements).
Benefits: Typically lower interest rates and access to traditional mortgage terms.

Bridge Loan

Acquire property quickly with short-term financing for fast closings or fix and flip.

Ideal for: Investors needing fast funding between property transactions.
How it works: Short-term, interest-only loans to "bridge" the gap between buying and selling properties.
Benefits: Quick funding, flexible terms, useful in competitive markets or for auction properties.

Fix & Flip Loans

Designed for investors focused on renovation and resale, with short-term targeted funding.

Ideal for: Real estate flippers and rehabbers.
How it works: Funds both the property purchase and renovation costs.
Benefits: Fast approval, tailored terms for resale timing, and potential high ROI.

Stories That Inspire and
Matter The Most To Us

“The Loan Pros Team provided excellent guidance throughout my first real estate purchase in Florida. Their DSCR loan helped me qualify without personal income. Couldn’t be happier with my cash-flowing duplex!”

Daniel R. Investor from Brazil – Orlando, FL

“Thanks to the team, I secured a short-term bridge loan in Tampa and closed on a competitive property within 10 days. Quick funding and no income docs required — perfect for my flipping strategy!”

Ana M. Real Estate Investor – Tampa, FL

“The DSCR program made it possible to buy my second investment property in Miami. I was able to leverage rental income and skip all the tax paperwork. Smooth process, great communication!”

Jose P. Investor from Colombia – Miami, FL

“My DSCR loan through The Loan Pros Team helped me expand my rental portfolio in Jacksonville. The team’s knowledge and responsiveness made the entire experience seamless!”

Rachel T. Investor – Jacksonville, FL

“As a first-time investor in Florida, I appreciated how easy the process was with their full-doc loan option. Clear guidance, great rates, and fast approval!”

Marco S. New Investor – Fort Lauderdale, FL

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Florida Real Estate Investor Statistics At A Glance

+ 7.7%

Year over year median home value increase in Florida

Source: Zillow, 2023

$72,000

Average gross profit per flip in Florida

Source: ATTOM Data Solutions, 2023

+ 10%

Increase in Miami FL single family rental prices year over year

Source: Apartment List, 2023

25%

Percentage of all Florida home sales purchased by investors

Source: CoreLogic, 2023

300,000

New residents in 2023, one of the country’s fastest growing states

Source: U.S. Census Bureau, 2023

Same Day Prequalification 

U.S. lending coverage map
 

The Loan Pros Team Inc. (NMLS ID #1837119) is an Equal Housing Lender. All loans are subject to credit approval, underwriting guidelines, and program availability. Terms and rates may change without notice. This is not a commitment to lend. We comply with fair lending laws and do not discriminate based on race, color, religion, national origin, sex, familial status, disability, or any other protected class. Borrowers should seek independent financial, tax, or legal advice before proceeding. For details, contact compliance@theloanprosteam.com.

Equal Housing Opportunity. © 2025 The Loan Pros Team Inc. Licensed in Florida.