← All 2,404-Lender Rankings
FOREIGN NATIONAL & ITIN RANKINGS
Top 10 Foreign National & ITIN Investor DSCR Lenders (No U.S. Credit Score Required)
Bottom-Line Underwriting Answer (BLUF)
International investors (Canadian, UK, LATAM, European, and Asian buyers) and U.S. ITIN holders can acquire U.S. cash-flowing rental properties inside a U.S. Single-Purpose LLC at 65%–75% LTV without a U.S. Social Security Number or domestic FICO score.
Methodology & Redaction Notice: Verified for explicit Foreign National (non-resident alien) and ITIN borrower matrix overlays. Wholesale conduit names are anonymized on direct origination portals; submit your scenario below to lock the #1 matching shelf.
| Rank | Wholesale Capital Shelf | Max Purchase LTV | Max Cash-Out LTV | Min DSCR | STR / AirDNA | Active States | Action |
|---|---|---|---|---|---|---|---|
| #1 | Institutional Capital Shelf #1 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Chandler, AZ | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #2 | Institutional Capital Shelf #2 (Bank Conduit) Bank / Credit Union / Depository · New York, NY | 75% | 70% | 1.0x | LTR & Mid-Term | 51 States | Match Shelf → |
| #3 | Institutional Capital Shelf #3 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · National Desk | 85% | 75% | 1.0x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #4 | Institutional Capital Shelf #4 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Frisco, TX | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #5 | Institutional Capital Shelf #5 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 13 States | Match Shelf → |
| #6 | Institutional Capital Shelf #6 (Commercial Conduit) Commercial CRE & Bridge Lender · Atlanta, GA | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 11 States | Match Shelf → |
| #7 | Institutional Capital Shelf #7 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Chicago, IL | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #8 | Institutional Capital Shelf #8 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Hauppauge, NY | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 49 States | Match Shelf → |
| #9 | Institutional Capital Shelf #9 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Charlotte, NC | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 46 States | Match Shelf → |
| #10 | Institutional Capital Shelf #10 (Non-QM Conduit) Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 85% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
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