A New Chapter for America Mortgages
For years, America Mortgages has been the world's leading mortgage specialist for foreign nationals and US expats investing in US real estate. In 2026, we are expanding our service to include US-based domestic investors, American citizens and residents seeking DSCR investment property financing with access to our full platform of 150+ lender programs.
If you are a US real estate investor, self-employed, full-time investor, or W-2 employee building a rental portfolio, America Mortgages now has a DSCR program for you.
This is not a minor addition. This is a full program expansion that brings every competitive advantage we've built for international investors directly to the domestic market:
- 150+ US lender programs (vs. 1 program at most direct lenders)
- $100,000 minimum loan (vs. $150,000–$300,000 minimums at most programs)
- 80% LTV 20% down payment (matching the most aggressive domestic DSCR programs)
- Domestic rates from 6.12% competitive with or better than Griffin Funding, HomeAbroad, and every other domestic competitor
- No income verification property cash flow qualifies
- All property types: SFR, 2–4 unit, condominiums, STR, portfolio
- Self-employed, W-2, complex income all eligible
Why US Domestic Investors Choose DSCR Loans
The Conventional Mortgage Limitation
Every US real estate investor eventually hits the same wall:
You have a full-time job or a business generating good income. You've purchased 2–3 properties with conventional mortgages. Now you apply for Property 4. The bank runs your DTI (debt-to-income ratio). Your existing mortgages, your car, your other debts they all count against you. The bank says you're "maxed out." You can't borrow any more.
But you have $80,000 in equity in an existing property. And you've found a $320,000 Nashville duplex that will generate $2,800 per month in rent comfortably above its $2,100 PITIA at 80% LTV.
The conventional mortgage system says no because it's calculating your personal debt burden, not the property's income.
The DSCR loan says yes because the property's $2,800 rent divided by $2,100 PITIA equals a 1.33 DSCR. The property qualifies on its own income. Your personal DTI is irrelevant.
The Self-Employed Investor's Problem Solved
If you run a business, your tax returns are optimised for tax efficiency not mortgage qualification. Depreciation, business deductions, pass-through losses, and vehicle expenses reduce your taxable income to a fraction of your economic income.
The bank sees low taxable income. It offers you a mortgage based on that low number.
The DSCR loan sees the property's rent. The $280,000 duplex generating $2,500/month in rent qualifies based on rental income not what your Schedule C says. Your tax optimization strategy doesn't hurt you anymore.
America Mortgages DSCR Program for US Domestic Investors
Program Terms
| Feature | Program Details |
| Minimum loan | $100,000 |
| Maximum LTV | 80% (purchase and rate/term refinance) |
| Cash-out refinance LTV | 75% |
| DSCR minimum | 1.0 (some no-ratio programs available) |
| Rate (30-year fixed) | From 6.12% (well-qualified domestic) |
| Rate (5/1 ARM) | From 5.50% |
| Rate (STR DSCR) | From 6.75% |
| Rate (interest-only) | From 6.50% |
| Minimum credit score | 620 (domestic programs); 660+ for best pricing |
| Income documentation | None (property income qualifies) |
| LLC/entity | Accepted |
| Portfolio concentration | Unlimited through 150+ program access |
Why 150+ Programs Changes Everything
Most DSCR lenders Griffin Funding, Visio, Kiavi, Lima One, Defy Mortgage are single-lender platforms. They have one set of guidelines. When your deal doesn't fit their box, you're declined.
America Mortgages has 150+ lender programs. When Deal A doesn't fit Program 1, it may perfectly fit Program 37. When your condotel doesn't qualify with one lender, another in our panel accepts it. When your DSCR ratio is 0.92, we have programs that accommodate it with appropriate equity. When your property is in a rural zip code that one lender won't touch, another will.
This is the structural advantage of a broker with institutional program access over a direct lender with a single buy box.
The Self-Employed Real Estate Investor America Mortgages' Sweet Spot
The archetypal American real estate investor in 2026:
- Owns 3–8 rental properties
- Runs a business (construction, consulting, e-commerce, service industry)
- Tax returns show $40,000–$80,000 in taxable income after aggressive deduction
- Real economic income: $200,000–$400,000
- Conventional lenders: "We can lend you $300,000 based on your income"
- Reality needed: $1.2 million in additional investment property debt
America Mortgages' DSCR solution:
- Each property qualifies on its own rental income
- No personal DTI calculation
- No tax return income review
- Portfolio distributed across 5 lender programs if needed
- Maximum borrowing capacity: determined by property cash flow, not personal income
The US Investor's DSCR Market Selection Guide
For US domestic investors, the best DSCR markets are identical to those recommended for international investors but the financing terms are better:
Memphis, Tennessee: $130,000–$200,000. Gross yield 9–12%. At 6.25% DSCR rate, monthly PITIA on $160,000 property (80% LTV, $128,000 loan): ~$988. Market rent: $1,350. DSCR: 1.37. Net monthly cash flow: ~$175 after management. Cash-on-cash return on $32,000 invested: 6.6% Year 1 (before appreciation).
Nashville, Tennessee: STR premium. $300,000–$420,000. DSCR with STR income: 1.5–2.5 at 80% LTV. STR net yield 12–16%.
Phoenix, Arizona: $320,000–$480,000. Gross yield 7–9%. DSCR at 80% LTV, 6.25%: 1.05–1.20.
Dallas-Fort Worth, Texas: $250,000–$380,000. Gross yield 7–9%. Corporate economy tenant base. DSCR 1.08–1.25.
The US Investor's Bridge-to-DSCR Playbook
For US domestic investors pursuing off-market, distressed, or value-add acquisitions:
Step 1 Acquisition Bridge: America Mortgages' institutional bridge loan acquires the property fast (8–21 days). No income documentation. Asset-based. For US domestic investors: $100,000 minimum. Up to $75M.
Step 2 Value-Add Period: Renovate, stabilise tenants, establish rental income documentation.
Step 3 DSCR Refinance: Once 12 months of rental income is established, refinance into a 30-year DSCR loan at a rate reflecting the property's stabilised income.
The entire process bridge to DSCR managed by one company, without documentation restart, without lender change, without execution risk.
Frequently Asked Questions
Q1: I already have 6 conventional mortgages. Can I still get DSCR loans?
A: Yes. DSCR loans are not subject to Fannie Mae's 10-financed-property limit. America Mortgages accesses programs with no hard portfolio limit.
Q2: What is the minimum credit score for the domestic DSCR program?
A: 620 minimum for most programs. Best pricing at 700+.
Q3: Can I get a DSCR loan on a property I've already improved and leased?
A: Yes. A DSCR refinance on a stabilised rental property is one of the most common transactions. Cash-out refinance available at 75% LTV.
Q4: How is America Mortgages different from Griffin Funding or Visio Lending for domestic investors?
A: 150+ programs vs. single-lender. $100,000 minimum vs. higher floors. Full bridge product alongside DSCR. Superior complexity handling for self-employed and portfolio investors.
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
