DSCR Loans on U.S. Real Estate for Foreigners
Get debt-service-coverage-ratio (DSCR) loans on cash flowing rental properties at competitive rates with up to 70% LTV ¹ —no U.S. credit history required.
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Start Financing Your U.S. Rental Property Today
Have a property in mind? 4 Steps to successfully close with Waltz
01
Get a loan quote
Fill out a form and schedule a call to get a custom quote.
02
Apply for a loan
Join the Waltz platform and fill out your loan application.
03
Submit documents
Upload your documents and sign your term sheet.
04
Close the deal
Close remotely and become a U.S. rental property owner.
DSCR Loans: The Ultimate Mortgage Hack for International Investors
Qualify for a mortgage based on the rental property's income potential, rather than your personal finances.
Why Choose Waltz for Your DSCR Mortgage?
No credit? No problem. DSCR Loans Made Simple for Foreigners
Waltz simplifies the complex mortgage process, empowering you to invest in U.S. rental properties quickly and confidently.
- Up to 70% Loan-to-Value Financing ¹
- Secure competitive DSCR loans tailored for rental properties without a U.S. credit history.
- Digital Mortgage Experience
- Apply, manage, and close your mortgage online—no paperwork or surprises.
- Quick Turnaround Time¹
- Close on your property in as little as 30 days, subject to eligibility.
- Expert Guidance at Every Step
- Our team of specialists ensures a smooth process, from LLC formation to closing.
- U.S. Banking Through Regent Bank²
- Access secure banking services for managing your property finances.
Award-winning DSCR loan solutions just for you
Leverage Waltz's expertise to navigate the U.S. mortgage process with confidence and ease — from anywhere in the world.
Start Financing Your U.S. Rental Property Today
Take the first step towards owning U.S. rental properties with Waltz’s streamlined DSCR loan solutions.
Frequently Asked Questions
Answers to common questions about DSCR mortgages and investing with Waltz.
® Waltz, Inc. 2025. All rights reserved. NMLS ID No.: 2615658. Loans are made by Waltz Capital Fund 1, LLC in all States except Arizona. Arizona loans are made by Waltz Mortgages, LLC, NMLS ID No.: 2620819 and Mortgage Banker License No. BK-2001372. Please visit NMLS Consumer Access for more information.
¹ Mortgage loan products are offered to qualified borrowers for business or commercial purposes only and must be secured by non-owner-occupied rental properties only. Financing is subject to certain restrictions and requirements including, but not limited to, due diligence, credit evaluation, and approval of the subject property. To qualify, borrowers must meet underwriting requirements. Origination fees and other fees may apply. Interest rates and fees may change from time to time without notice, and rates or fees discussed in these materials may not be available on the commitment date or closing date for your loan.
² Waltz, Inc. is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
³ International payment services from the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed HERE. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.
Contact us
Sabadell Financial Center, 1111
Brickell Ave, Miami, FL 33131
+1 (800) 775-4849
