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• No U.S. credit score required (or FICO 660+ if available)

• Up to 75% CLTV

• Loan amounts up to $3,000,000

• Cash-out refinances allowed

• Overseas assets accepted as reserves

• Homeownership outside the U.S. permitted

• Gift funds allowed

• Remote Online Notarization (RON) closing available

Income Documentation Requirements

• Our Full Doc Foreign National program uses realistic documentation standards designed for international borrowers:

• One bank reference letter

• CPA letter covering the last two years plus year-to-date income

• Alternative documentation accepted for income and assets held abroad

Why Choose Real On Rise Capital Inc.?

• Experience working with foreign national investors

• Streamlined process tailored to international borrowers

• Flexible underwriting designed for global income and assets

• Professional guidance from application to closing

Who This Program Is Ideal For

• Foreign nationals living abroad

• International investors purchasing U.S. residential or investment property

• Borrowers without U.S. credit history

• Clients seeking higher loan amounts and flexible qualification

Income-Free Financing for U.S. Investment Properties

• The Foreign National DSCR loan program from Real On Rise Capital Inc. is designed for international investors living abroad who want to purchase or refinance income-producing property in the United States.

• This is a Debt Service Coverage Ratio (DSCR) program, which means qualification is based on the property’s rental cash flow, not the borrower’s personal income. No tax returns or income documentation are required, making this an ideal solution for foreign nationals seeking a streamlined approval process.

Program Highlights

• No U.S. credit score required (or FICO 660+ if available)

• Up to 75% CLTV

• Loan amounts up to $3,000,000

• No income documentation required

• Cash-out refinances allowed

• Overseas assets accepted as reserves

• Gift funds allowed

• Remote Online Notarization (RON) closing available