DSCR loans for ITIN borrowers

DSCR programs whose published guidelines state that borrowers with an ITIN instead of a Social Security number are eligible.

Lenders

Programs

0.75

Lowest DSCR accepted

among published floors

85%

Highest LTV

purchase

620

Lowest credit score

Also no-ratio

3 take short-term rentals

StateSearch

Only show Sub-1.0 or no-ratio Short-term rentals Foreign nationals First-time investors

4 of 4 programs. Click a column to sort; unpublished values (—) sort last. State filter only matches programs with a published footprint.

								Also takes
A&D Mortgage DSCR	No ratio	620	80%	75%	$75k	$3.5M	Auto-checked Oct 2026	STRNo-ratio49 states
Carrington Wholesale Carrington Investor Advantage (DSCR)	1.00 (<1.0 ok)	620	85%	75%	$100k	$3M	Auto-checked Oct 2026	STRNo-ratio51 states
Champions Funding Equity First DSCR	No ratio	—	55%	55%	$125k	$1.5M	Auto-checked Oct 2026	FNNo-ratio37 states
HomeXpress Mortgage InvestorX DSCR (1-4 unit)	No ratio	620	80%	80%	—	$2.5M	Auto-checked Oct 2026	STRFNNo-ratioFootprint n/p

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Other features

Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.