America Mortgages | Global Mortgage Group (GMG)
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$100K Minimum | 80% LTV | No US Credit | Foreign Nationals + US Expats + US Domestic Investors
Section 1: DSCR Fundamentals
1. What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies the borrower based on the rental income of the investment property, not the borrower's personal income, employment, tax returns, or credit score.
2. How is DSCR calculated?
Monthly gross rental income ÷ monthly PITIA (principal + interest + taxes + insurance + HOA) = DSCR. A 1.0 DSCR means rent exactly covers the payment. A 1.25 DSCR means rent covers the payment with a 25% surplus.
3. What is the minimum DSCR America Mortgages accepts?
1.0 minimum for standard programs. Sub-1.0 programs (down to 0.75) available with larger equity positions or compensating factors.
4. What is the minimum loan amount at America Mortgages?
$100,000 — the most accessible minimum in the institutional market.
5. What is the maximum LTV at America Mortgages for DSCR loans?
80% — meaning only 20% down payment is required. This matches the most aggressive domestic US investor programs.
6. What are DSCR loan rates in 2026?
Domestic US investors: From 6.12% (30-year fixed). Foreign national investors: From 7.00% (30-year fixed). STR DSCR: From 6.75% domestic / 7.25% foreign national.
7. How long are DSCR loan terms?
30-year fixed is most common. 5/1 ARM, 7/1 ARM, and interest-only options are available.
8. Do DSCR loans require personal income verification?
No. Income verification is not part of DSCR underwriting. The property's rental income is the qualifying factor.
Section 2: Eligibility
9. Can a foreign national get a DSCR loan in the US?
Yes. America Mortgages provides DSCR loans to foreign nationals from all countries across all 50 US states.
10. Can a US expat (American living abroad) get a DSCR investment property loan?
Yes. US expats qualify under the same foreign national DSCR framework. No US income documentation required.
11. Does America Mortgages serve US domestic investors for DSCR loans?
Yes. New in 2026, America Mortgages serves US-based domestic investors with its full DSCR program (150+ programs, $100K minimum, 80% LTV, from 6.12%).
12. What nationalities can access America Mortgages DSCR programs?
All nationalities. America Mortgages serves investors from 57 countries. No country restrictions on DSCR loan eligibility.
13. Do I need a US Social Security Number for a DSCR loan?
Not for most foreign national DSCR programs. An ITIN may be required for some programs. SSN is required for US citizen/resident domestic programs.
14. Do I need a US visa or residency to get a DSCR loan?
No. Visa or residency status is not a DSCR loan requirement. Property ownership requires no US immigration status.
Section 3: Documentation
15. What documents do I need for a foreign national DSCR application?
Passport, 6–12 months of foreign bank statements, evidence of down payment, property under contract. No income docs, no US tax returns.
16. Are foreign bank statements accepted for DSCR loans?
Yes. Banks from Singapore, UK, Australia, UAE, India, Canada, China (HK preferred), Malaysia, Indonesia, Japan, Germany, Brazil, Colombia, and all major countries accepted.
17. Do I need a US bank account to get a DSCR loan?
Not for application. A US business bank account for the LLC is typically required before closing for loan disbursement.
18. What if my bank statements are not in English?
Certified translation to English required. America Mortgages coordinates translation services.
19. Is a property appraisal required?
Yes. An independent appraisal by a licensed US appraiser is required. America Mortgages orders the appraisal.
Section 4: Property Requirements
20. What property types qualify for DSCR loans at America Mortgages?
Single-family residences (1–4 units), condominiums (warrantable), 2–4 unit multifamily, short-term rental properties, and through commercial programs, 5+ unit apartment buildings.
21. What is the minimum property value?
At $100,000 minimum loan and 80% LTV, the minimum purchase price is $125,000.
22. Can I DSCR-finance a condominium?
Yes. Warrantable condominiums in standard developments are eligible. Non-warrantable condos and condotels require specialty programs, available through America Mortgages' 150+ panel.
23. Can I DSCR-finance a short-term rental (Airbnb)?
Yes. STR-specific DSCR programs use AirDNA market data or 12 months of historical STR income for qualification.
24. Can I DSCR-finance a property in any US state?
America Mortgages programs cover all 50 states. Some programs have specific rural market restrictions. Contact for market-specific confirmation.
25. Can I DSCR-finance vacant land or development properties?
No. DSCR loans require existing or projected rental income, available for improved properties only.
Section 5: Reserves and Down Payment
26. Where can my down payment come from?
Any verifiable foreign or domestic bank account. Funds must be documented for 60+ days (seasoned) in the same account.
27. Can my down payment be gifted?
Generally no — most DSCR programs require the down payment to be the borrower's own funds.
28. How much in reserves must I have after closing?
Typically 6–12 months of PITIA. STR programs may require 9–12 months. These reserves remain in your account — they are not spent at closing.
29. Can reserves be in a foreign bank account?
Yes. Foreign-held reserves in the borrower's name are acceptable, documented via bank statements.
30. What happens to the reserves after closing?
They remain yours, in your account. The lender verifies they exist at closing. There is no reserve "lock" or escrow requirement in most programs.
Section 6: The DSCR Process
31. How long does a DSCR loan take to close?
America Mortgages targets 21–30 days from complete application to close for standard DSCR loans.
32. Can I get pre-qualified before finding a property?
Yes. A DSCR pre-qualification based on your target market, budget, and down payment can be issued within 48 hours.
33. Can the closing be completed remotely?
Yes. Remote closing via mail-away notarisation or e-signature (where eligible) is standard for international investors.
34. Do I need to visit the US to close a DSCR loan?
No. The entire transaction — from application through closing — can be completed without US travel.
35. How does the rental income qualification work for a vacant property?
A market rent schedule from the independent property appraiser provides the qualifying rental income. No existing lease is required.
Section 7: Rates and Costs
36. What closing costs should I expect on a DSCR loan?
Origination fee (0.5–2%), appraisal ($400–$800), title insurance ($500–$2,000 depending on property value), lender fees, and recording costs. America Mortgages provides a full fee disclosure at pre-qualification.
37. Are there prepayment penalties on DSCR loans?
Commonly yes — 3-2-1 or 5-4-3-2-1 step-down structures (3% in year 1, 2% in year 2, 1% in year 3, etc.). Buy-out options available on some programs. America Mortgages advises on prepayment structure at application.
38. Can I lock my DSCR rate before closing?
Yes. Rate locks of 30–45 days are standard. Longer locks available at a premium. America Mortgages manages rate lock timing to minimise lock cost.
39. Is DSCR loan interest tax deductible?
For investment properties: yes, US mortgage interest is generally deductible against US rental income. Consult a US tax advisor for your specific situation.
40. What is the difference between a 30-year fixed and 5/1 ARM DSCR?
30-year fixed: rate fixed for life of loan. 5/1 ARM: fixed for 5 years, then adjusts annually. ARM rates are 50–75 bps lower — ideal for investors who plan to sell or refinance within 5 years.
Section 8: Portfolio and LLC
41. Can I have multiple DSCR loans?
Yes. No formal portfolio limit. America Mortgages distributes across 150+ programs to prevent any single lender's concentration limits from blocking growth.
42. Should I hold my US property in an LLC?
For non-US residents: almost always yes, critical for US estate tax mitigation. For US investors: recommended for asset protection.
43. Can America Mortgages lend to an LLC owned by a foreign entity?
Yes — the US LLC is the borrower. The LLC being owned by a foreign entity (BVI, Cayman, Singapore Pte Ltd) is evaluated on a case-by-case basis.
44. Can I refinance a DSCR loan for cash out?
Yes. Cash-out DSCR refinances are available at 75% LTV (most programs). Equity from appreciation funds the next acquisition.
45. Can I do a 1031 exchange into a DSCR-financed property?
Yes. DSCR loans are compatible with 1031 exchange structures. Timing coordination between the exchange and DSCR closing is required. America Mortgages advises on timeline management.
Section 9: Expat-Specific Questions
46. I use Form 2555 (FEIE) and show zero taxable income. Can I get a DSCR loan?
Yes. DSCR loans do not use personal income for qualification. Your Form 2555 exclusion is irrelevant to DSCR underwriting.
47. Can I get a Form 2555 add-back mortgage for a second home (not investment property)?
Yes, through America Mortgages' specific expat lender programs. This requires more documentation than DSCR but is available to US citizens.
48. My US credit score has gone dormant. Can I still get a DSCR loan?
Yes. DSCR investment property loans do not require an active FICO score. Alternative credit or international credit references accepted.
49. I haven't filed US taxes in years. Can I get a DSCR investment property loan?
Generally yes, DSCR loans do not require US tax compliance as a condition of approval. Consult a US tax attorney about any filing obligations separately.
50. Can a US expat's offshore LLC (formed while abroad) own a US DSCR-financed property?
This is evaluated case-by-case. Foreign LLCs often require conversion or a US subsidiary LLC to serve as the borrower. America Mortgages advises on optimal structure.
Section 10: America Mortgages Specifics
51. Is America Mortgages a direct lender or broker?
Both. Direct lender for some products (including bridge loans). Licensed broker accessing 150+ US lender programs for DSCR and other products.
52. Why does America Mortgages have 150+ lender programs when others have one?
As both a direct lender and a licensed broker, America Mortgages accesses programs across the full US non-QM and DSCR lender market. This provides maximum flexibility for complex situations that any single lender cannot serve.
53. What countries does America Mortgages serve?
57 countries. The most complete international mortgage coverage of any US-focused mortgage company globally.
54. Can I speak to someone at America Mortgages in my time zone?
Yes. The 24/7 global team covers Singapore (UTC+8), US (EST/PST), and global time zones. The Singapore office serves Asian and Australian time zones directly.
55. Does America Mortgages charge for pre-qualification?
No. The initial consultation and pre-qualification assessment are complimentary.
56. How quickly can I get a term sheet from America Mortgages?
DSCR pre-qualification within 48 hours. Formal term sheet within 5–7 business days of complete application submission.
57. Can America Mortgages provide both a bridge loan and a DSCR loan for the same property?
Yes. America Mortgages provides bridge-to-DSCR transitions as a seamless two-product process: bridge to acquire quickly, DSCR to hold long-term. The same lender, same team, no documentation restart.
58. Does America Mortgages have minimum income requirements?
For DSCR loans: No personal income minimum. For second home/conventional programs: income qualification applies.
59. What is America Mortgages' minimum credit score for DSCR loans?
Foreign national DSCR: No US credit required. International credit references accepted. Domestic DSCR: 620 minimum; 700+ for best pricing.
60. How do I get started with America Mortgages?
Contact us at AmericaMortgages.com, call +1 830-217-6608 (US) or +65 8430-1541 (Singapore), WhatsApp +1 830-217-6608, or email [email protected]. Preliminary response within 24 hours. Pre-qualification within 48 hours. The world's most comprehensive US mortgage program for international investors, accessible from anywhere on earth, any hour of the day.
Contact America Mortgages
Website: AmericaMortgages.com | GMG.asia
US: +1 830-217-6608
Singapore: +65 8430-1541
Email: [email protected]
Call: +1 (845) 583-0830
