Investment Property Financing for ITIN Holders
You built your business. You own investment property. Now access the capital you deserve — without a Social Security number, without proving personal income, and without the barriers of traditional banking.
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying you based on your personal tax returns or W-2s, a DSCR loan qualifies you based on the income your investment property generates.
The formula is simple: if your property's monthly rental income covers its monthly mortgage payment, you likely qualify. A DSCR of 1.0 or higher means the property earns at least as much as it costs.
DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment
Example: $2,500 rent ÷ $2,000 mortgage = 1.25 DSCR ✓ Approved
A Commercial Home Equity Line of Credit (HELOC) lets you tap the equity already built in your investment property — turning it into a flexible credit line you can draw from as needed. Use it to fund renovations, purchase additional properties, or grow your business.
Simply fill out the application below. Our team handles everything from there — we work hard to get your loan underwritten and financed as quickly as possible.
Complete the form below. Takes about 10 minutes.
Our team carefully reviews your application and prepares your file for underwriting.
We manage the entire process on your behalf and work to get you financed as quickly as possible.
Once approved, we guide you through closing. Typical funding in 2–4 weeks.
All information is kept strictly confidential. We never share your data without your consent.
Have questions before you apply?
Our AI assistant can explain the DSCR process, ITIN requirements, and what to expect — in English or Spanish. Click the chat button in the bottom-right corner.
Your information is encrypted and never sold.