Self-employed, ITIN & foreign national
If your taxes don't tell the whole story, these do.
Closes in about 2 weeksBank Statement, P&L and ITIN are for a home you will live in. Foreign National DSCR is an investor program for rental property.
Program details
Bank Statement
Qualify on 12–24 months of personal or business deposits. 10% down, credit from 640, loan amounts to $3.5M. No tax returns, no W-2s.
Ideal for: Business owners and 1099 earners who write off aggressively.
Profit & Loss
A CPA-prepared P&L stands in for tax returns. Simple, fast, and built for self-employed borrowers.
Ideal for: Self-employed buyers with clean books.
ITIN
Buy with an ITIN instead of a Social Security number. 3.5% down, gross income used to qualify, flexible co-signer options, terms up to 40 years.
Ideal for: Mixed-status households ready to stop renting.
Foreign National DSCR
Buy U.S. rental property from anywhere in the world. 25–30% down, $100K–$2M, no U.S. credit, W-2 or tax returns. Closes 100% remotely in about 14 days in all 50 states. We set up your LLC, EIN and U.S. business bank account for you.
Ideal for: Investors living outside the U.S. who want U.S. real estate without flying in.
Bank Statement vs. ITIN Loans
Both are for people who do not fit the standard W-2 box. They solve different problems.
Common questions
How does a Bank Statement loan work?
We use 12 to 24 months of your deposits to figure out your income instead of tax returns. It takes 10% down, a FICO from 640, and loans go up to $3.5M.
What is a P&L loan?
A profit-and-loss statement prepared by your CPA is used to document your income. Good fit if your business has real numbers but messy tax returns.
Can I buy a home with an ITIN?
Yes. ITIN loans take 3.5% down, can go up to a 40-year term, and co-signer options are available.
Can a foreign national get a loan with no US credit?
Yes. The Foreign National DSCR program needs no US credit, W-2s, or tax returns. Expect 25 to 30% down on loans from $100K to $2M.
Can I close from outside the country?
Yes. Closing is 100% remote, about 14 days, in all 50 states. We help set up your LLC, EIN, and US bank account.
Which one is right for me?
It depends on how you earn and what documents you have. Text me the short version and I will point you to the right program.
