Financing
No US income. No credit score. Still financeable.
A DSCR loan is underwritten on the property's rent, not on your payslip. American lenders will finance a foreign national buying through a US entity, provided the building covers its own debt service.
Ask about financing- Maximum loan to value
- 75%
- Minimum debt service coverage
- 1.20×
- Personal income required
- None
- US credit history required
- None
- Limit on number of loans
- None
Questions we are asked most
Can I get a mortgage without US income?
Yes. A DSCR loan is underwritten on the property's rent rather than on your salary or credit file, and is available to non-residents buying through a US entity.
How much capital do I need to start?
From roughly €50,000 in cash for a leveraged single-family purchase, covering the deposit, closing costs and a reserve. Larger buildings need proportionally more equity.
How am I taxed on the income?
Rental income is taxed in the United States, with depreciation and interest deducted first, and treaty rules determine how it is treated at home. We coordinate with your own tax advisor rather than replacing one.
Next step
Thirty minutes, and you will know whether this fits
A free strategy call. We look at your budget, your goals and the market that suits you, and tell you honestly if American property is the wrong move.
- Office
- Str. Knyaz Boris I 55, Floor 2Sofia 1000, Bulgaria