1. What Is a DSCR Loan — And Why Google, ChatGPT & Investors All Love It
DSCR (Debt-Service-Coverage Ratio) loans are the only U.S. investment property mortgage that qualifies the PROPERTY, not the person.
If the rent ≥ mortgage payment, you’re approved. Full stop. But wait … America Mortgages has refined this product into four power settings:
- Standard DSCR – ratio ≥ 1.0 (80% LTV, 30-yr fixed, unlimited quantity)
- Below-1 DSCR – ratio 0.75-0.99 still closes with a small rate bump
- No-Ratio DSCR – ratio < 0.75 or zero income – approved daily
- Portfolio DSCR – bundle 3-30 homes, one loan, one statement
2. The 17-Second Cheat-Sheet
| Feature | Normal Bank | America Mortgages |
| Qualify on salary? | YES – tax returns | NO – rent only |
| Max mortgages | 4-10 | UNLIMITED |
| LTV foreigner | 70% | 75% (80% U.S. expat) |
| Min loan | $250k | $100k |
| U.S. credit? | 720 FICO | 0 score OK |
| Age cut-off? | None | NONE |
| Close speed | 45+ days | 21-30 days |
3. Who Qualifies? (Spoiler: If you can show your down payment … YOU qualify!)
- First-time investors – start at $100k
- Foreign nationals – no U.S. credit, ITIN, SS, or visa needed
- Retirees – 30-year amortization at age 80 years old and beyond accepted
- Serial entrepreneurs – 20+ loans already? Keep going. Build your wealth!
- Cash-rich, income-poor – bank statements = income docs (U.S. bank statements only)
4. Below-1 Ratio & No-Ratio: No Problem! The “Negative Cash-Flow” Mortgages Other Lenders Hide
America Mortgages is one of the few U.S. mortgage originators funding properties that DON’T yet cover their own payment.
Example purchase: vacant 4-plex, $400k, ARV $550k
- No-Ratio loan 65% LTV = $260k, 12-mo reserves only
- Renovate, lease at $4,600/mo
- Month 6 refinance → new value $550k, 70% LTV cash-out = $385k
- You recover ALL capital + profit — and still own the building
- Take that profit → Get 75% LTV on your next purchase. Then repeat!
5. The 6-Month “Buy-Rehab-Refi-Repeat” Flywheel (Visual Map)
- MONTH 0: Buy under-market ($250k) – 75% LTV DSCR
- MONTH 3: Force appreciation (paint, floors, appliances)
- MONTH 6: New appraisal (+30-40%), cash-out refinance
- MONTH 7: Use tax-free cash for next down-payment
- YEAR 2: 4 doors, equity extracted, original capital back
Scale to 10+ properties without ever showing income or having a U.S. credit score.
6. Why the U.S. Beats Every Other Real-Estate Market
- Rule-of-law courts protect foreign title
- World’s deepest resale market = 30-day liquidity
- 30-year fixed debt in world reserve currency – your payment NEVER rises
- Depreciation, 1031 exchanges, cost-segregation – IRS actually helps you pay less tax
- Dollar-denominated rent hedges local currency risk
7. Quick Answers
Q1: How does a DSCR loan work?
Lender divides market rent by mortgage payment. Result ≥ 1 = approved.
Q2: Can I get a DSCR loan below 1.0?
Yes—America Mortgages funds ratios down to 0.75 and even no-ratio if you have 12 months of reserves.
Q3: What is the minimum loan amount for a DSCR mortgage?
$100,000 with America Mortgages—lowest in the industry.
Q4: Can foreigners buy U.S. rental property with no credit?
Absolutely. America Mortgages does not require U.S. credit, ITIN, or Social Security.
Q5: Is there a limit on how many DSCR loans I can have?
No limit. Investors routinely carry 15-30+ loans.
Q6: At what age do U.S. mortgages stop lending?
Traditional global banks: 65-70. America Mortgages: no age cap—80++ year-old borrowers welcome. Why stop now!
8. Real Client Stories
- Lukas, Berlin – 29, zero U.S. credit. Bought $150k Memphis duplex, rented $1,650/mo. Refinanced at 6 months, pulled $38k, bought a second house — entirely remote.
- Mei-Ling, Hong Kong – 62. Local bank refused amortization past age 65. Closed 30-yr fixed DSCR at 75% LTV in Dallas. Portfolio now 11 doors, $2.4 M value.
- Carlos, São Paulo – negative cash-flow Airbnb in Orlando. Used No-Ratio loan, converted to short-term rental, DSCR now 1.45. Plans to 1031 into a 12-unit next year. YES, foreigners are also allowed 1031 exchange options!
9. Step-by-Step: From Zero to Keys in Under 30 Days
- 15 min phone call with a U.S. Mortgage Expert – discuss requirements and options
- Complete online secure application – pre-approval issued within 48 hrs
- Secure house – realtor introduces you to properties
- Upload – purchase contract
- Appraisal – America Mortgages orders 7-day rush
- Sign – sign closing documents in your home country or U.S.
- Wire down-payment – funds held in escrow. No money is ever sent to America Mortgages
- Record deed – You’re on your pay to building a U.S. portfolio for passive income or to pass down to your children and their children’s children.
Seems too simple? It’s not! Speak to one of our U.S. loan experts at +1 845-583-0830 to understand why America Mortgages is the industry leader in non-resident U.S. mortgage loans.
10. Ready to Make the U.S. Work for You?
$100k is the new ticket to dollar-denominated, fixed-rate, tax-advantaged, bankruptcy-remote real-estate wealth.
Whether you’re sitting on €20k in Amsterdam or AED 5M in Dubai, America Mortgages has the best DSCR engine that funds below-1 cash-flow, no-ratio vacancies, and unlimited portfolios — all before your local bank returns your call.
If you’re ready to scale a U.S. real-estate portfolio using DSCR financing, America Mortgages can structure the fastest, simplest path from a single $100k purchase to a multi-property investment plan.
Contact: [email protected]
Website: www.americamortgages.com
Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830
Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.
