Foreign National Mortgage Loans in Ohio
International investors and buyers can purchase Ohio real estate without a U.S. credit score or Social Security number. DSCR, full-doc, and bank statement programs available.
Loan Programs
Two Paths to Qualify
Foreign national borrowers can qualify through DSCR (rental income) or full-doc (foreign income documentation) programs.
DSCR Foreign National
Most PopularQualify based on the rental income of the property — not your personal income. No U.S. credit, no U.S. income, no U.S. employment required. The property's cash flow is the qualification.
- No U.S. credit history needed
- No U.S. income documentation
- Property rental income qualifies
- LLCs and foreign corporations OK
- Short-term rentals (Airbnb) eligible
- 1.0+ DSCR minimum
Full-Doc Foreign National
Higher LTV AvailableQualify using foreign income documentation — pay stubs, bank statements, or employer letters from your home country. Allows higher LTV and lower rates than DSCR programs.
- Foreign income documentation accepted
- Foreign credit reports accepted
- Higher LTV than DSCR programs
- Lower rates than DSCR programs
- Primary and investment properties
- Visa holders welcome
Why Columbus, Ohio
The Midwest's Fastest-Growing Tech Hub
Columbus is attracting international investment capital at a pace not seen since the early 2000s. Intel's $28 billion semiconductor campus in New Albany, combined with Google, Amazon, and Meta data center investments, has created one of the most compelling real estate investment markets in the U.S.
For international investors, Columbus offers: strong rental yields (4-6%), low entry prices compared to coastal markets, strong appreciation (7.4% YoY), and a growing international community of tech workers who need housing.
Required Documentation
Valid passport from your home country. Visa documentation if applicable.
Credit report from your home country, or reference letters from your foreign bank.
For full-doc: foreign bank statements (12-24 months) or employer letter with salary confirmation.
Bank statements showing source of down payment funds (typically 30%+ for DSCR, 25%+ for full-doc).
Purchase contract, property appraisal, and rental analysis (for DSCR programs).
Common Questions
Foreign National Loan FAQ
Ready to Invest in Columbus Real Estate?
Free consultation. We work with international investors from 40+ countries.
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