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.elementor-element.elementor-element-8f41390.elementor-column > .elementor-widget-wrap{justify-content:flex-start;}.elementor-3285 .elementor-element.elementor-element-8f41390 > .elementor-element-populated{padding:50px 15px 40px 15px;}.elementor-3285 .elementor-element.elementor-element-64ad915e{text-align:start;}.elementor-3285 .elementor-element.elementor-element-64ad915e .elementor-heading-title{font-size:32px;}.elementor-3285 .elementor-element.elementor-element-535fffc1{padding:0px 0px 0px 0px;}}</style>{"id":3285,"date":"2025-07-31T05:57:00","date_gmt":"2025-07-31T05:57:00","guid":{"rendered":"https:\/\/www.vmalending.net\/?page_id=3285"},"modified":"2025-07-31T06:00:11","modified_gmt":"2025-07-31T06:00:11","slug":"foreign-national","status":"publish","type":"page","link":"https:\/\/vmalending.net\/?page_id=3285","title":{"rendered":"Foreign National"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3285\" class=\"elementor elementor-3285\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524231c1 e-flex e-con-boxed e-con e-parent\" data-id=\"524231c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14754c65 elementor-widget elementor-widget-text-editor\" data-id=\"14754c65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<h1 class=\"wp-block-heading\">Foreign National<\/h1>\n\n<p class=\"wp-block-paragraph\" data-start=\"289\" data-end=\"538\">With the <strong data-start=\"364\" data-end=\"402\">Foreign National DSCR Loan Program<\/strong>, purchasing or refinancing a home in the United States has never been easier \u2014 even without U.S. income, employment, or credit history.<\/p>\n<h3 data-start=\"540\" data-end=\"584\">\ud83c\udf0d What Is a Foreign National DSCR Loan?<\/h3>\n<p data-start=\"586\" data-end=\"848\">The <strong data-start=\"590\" data-end=\"650\">Foreign National DSCR (Debt Service Coverage Ratio) loan<\/strong> is a special mortgage program designed for <strong data-start=\"694\" data-end=\"716\">non-U.S. residents<\/strong> who want to buy or refinance <strong data-start=\"746\" data-end=\"771\">investment properties<\/strong> in the United States. This program is ideal for international investors who:<\/p>\n<ul data-start=\"849\" data-end=\"1014\">\n<li data-start=\"849\" data-end=\"881\">\n<p data-start=\"851\" data-end=\"881\">Live and work outside the U.S.<\/p>\n<\/li>\n<li data-start=\"882\" data-end=\"917\">\n<p data-start=\"884\" data-end=\"917\">Earn income in their home country<\/p>\n<\/li>\n<li data-start=\"918\" data-end=\"1014\">\n<p data-start=\"920\" data-end=\"1014\">Want to invest in U.S. rental property without the hassle of traditional mortgage requirements<\/p>\n<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1600fdc e-flex e-con-boxed e-con e-parent\" data-id=\"1600fdc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a72f7fc e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"a72f7fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"175306748\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1753067481\" data-tab-title-id=\"e-n-tab-title-1753067481\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1753067481\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tNOT NEEDED\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1753067482\" data-tab-title-id=\"e-n-tab-title-1753067482\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1753067482\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tRequired\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1753067483\" data-tab-title-id=\"e-n-tab-title-1753067483\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1753067483\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tGeneral Information\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1753067481\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067481\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-f47aca0 e-con-full e-flex e-con e-child\" data-id=\"f47aca0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb912b elementor-widget elementor-widget-text-editor\" data-id=\"6eb912b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"864\" data-end=\"890\">\u274c What Is <em data-start=\"878\" data-end=\"883\">Not<\/em> Needed<\/h3>\n<ul data-start=\"891\" data-end=\"1089\">\n<li data-start=\"891\" data-end=\"912\">\n<p data-start=\"893\" data-end=\"912\">U.S. credit history<\/p>\n<\/li>\n<li data-start=\"913\" data-end=\"953\">\n<p data-start=\"915\" data-end=\"953\">U.S. income or employment verification<\/p>\n<\/li>\n<li data-start=\"954\" data-end=\"988\">\n<p data-start=\"956\" data-end=\"988\">Personal or business tax returns<\/p>\n<\/li>\n<li data-start=\"989\" data-end=\"1015\">\n<p data-start=\"991\" data-end=\"1015\">W-2s, paystubs, or 1099s<\/p>\n<\/li>\n<li data-start=\"1016\" data-end=\"1048\">\n<p data-start=\"1018\" data-end=\"1048\">Social Security number or ITIN<\/p>\n<\/li>\n<li data-start=\"1049\" data-end=\"1089\">\n<p data-start=\"1051\" data-end=\"1089\">DTI (Debt-to-Income ratio) calculation<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1753067482\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067482\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-0cb43eb e-con-full e-flex e-con e-child\" data-id=\"0cb43eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13182d8 elementor-widget elementor-widget-text-editor\" data-id=\"13182d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"1096\" data-end=\"1118\">\u2705 What <em data-start=\"1107\" data-end=\"1111\">Is<\/em> Needed<\/h3>\n<ul data-start=\"1119\" data-end=\"1560\">\n<li data-start=\"1119\" data-end=\"1177\">\n<p data-start=\"1121\" data-end=\"1177\">Valid <strong data-start=\"1127\" data-end=\"1147\">foreign passport<\/strong> and proof of residency abroad<\/p>\n<\/li>\n<li data-start=\"1178\" data-end=\"1251\">\n<p data-start=\"1180\" data-end=\"1251\"><strong data-start=\"1180\" data-end=\"1219\">Rental analysis or appraiser\u2019s 1007<\/strong> form (to confirm rental income)<\/p>\n<\/li>\n<li data-start=\"1252\" data-end=\"1279\">\n<p data-start=\"1254\" data-end=\"1279\">DSCR of <strong data-start=\"1262\" data-end=\"1279\">1.0 or higher<\/strong><\/p>\n<\/li>\n<li data-start=\"1280\" data-end=\"1342\">\n<p data-start=\"1282\" data-end=\"1342\">Valid <strong data-start=\"1288\" data-end=\"1302\">entry visa<\/strong> or travel documentation (if applicable)<\/p>\n<\/li>\n<li data-start=\"1343\" data-end=\"1439\">\n<p data-start=\"1345\" data-end=\"1439\"><strong data-start=\"1345\" data-end=\"1364\">Bank statements<\/strong> showing funds for down payment and reserves (typically 12 months of PITIA)<\/p>\n<\/li>\n<li data-start=\"1440\" data-end=\"1478\">\n<p data-start=\"1442\" data-end=\"1478\"><strong data-start=\"1442\" data-end=\"1461\">Asset seasoning<\/strong>, usually 60 days<\/p>\n<\/li>\n<li data-start=\"1479\" data-end=\"1560\">\n<p data-start=\"1481\" data-end=\"1560\">Completed loan application and <strong data-start=\"1512\" data-end=\"1533\">purchase contract<\/strong> or <strong data-start=\"1537\" data-end=\"1560\">refinance documents<\/strong><\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1753067483\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067483\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-003fc9f e-con-full e-flex e-con e-child\" data-id=\"003fc9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8762993 elementor-widget elementor-widget-text-editor\" data-id=\"8762993\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"105\" data-end=\"146\">\u2705 General Information (Bullet Points)<\/h3>\n<ul data-start=\"147\" data-end=\"857\">\n<li data-start=\"147\" data-end=\"230\">\n<p data-start=\"149\" data-end=\"230\">Designed for <strong data-start=\"162\" data-end=\"183\">foreign nationals<\/strong> purchasing or refinancing property in the U.S.<\/p>\n<\/li>\n<li data-start=\"231\" data-end=\"290\">\n<p data-start=\"233\" data-end=\"290\">Borrower <strong data-start=\"242\" data-end=\"290\">must reside and earn income outside the U.S.<\/strong><\/p>\n<\/li>\n<li data-start=\"291\" data-end=\"378\">\n<p data-start=\"293\" data-end=\"378\">Loan is based on <strong data-start=\"310\" data-end=\"348\">Debt Service Coverage Ratio (DSCR)<\/strong> \u2013 no personal income required<\/p>\n<\/li>\n<li data-start=\"379\" data-end=\"465\">\n<p data-start=\"381\" data-end=\"465\">Requires a <strong data-start=\"392\" data-end=\"415\">minimum DSCR of 1.0<\/strong> (property&#8217;s rent must cover the mortgage payment)<\/p>\n<\/li>\n<li data-start=\"466\" data-end=\"504\">\n<p data-start=\"468\" data-end=\"504\"><strong data-start=\"468\" data-end=\"494\">No U.S. credit history<\/strong> is needed<\/p>\n<\/li>\n<li data-start=\"505\" data-end=\"551\">\n<p data-start=\"507\" data-end=\"551\">No personal or business tax returns required<\/p>\n<\/li>\n<li data-start=\"552\" data-end=\"598\">\n<p data-start=\"554\" data-end=\"598\"><strong data-start=\"554\" data-end=\"591\">No ITIN or Social Security number<\/strong> needed<\/p>\n<\/li>\n<li data-start=\"599\" data-end=\"645\">\n<p data-start=\"601\" data-end=\"645\">Typically used for <strong data-start=\"620\" data-end=\"645\">investment properties<\/strong><\/p>\n<\/li>\n<li data-start=\"646\" data-end=\"724\">\n<p data-start=\"648\" data-end=\"724\"><strong data-start=\"648\" data-end=\"669\">Visa not required<\/strong>, but valid passport and proof of foreign residency are<\/p>\n<\/li>\n<li data-start=\"725\" data-end=\"795\">\n<p data-start=\"727\" data-end=\"795\">Funds for down payment and reserves must be <strong data-start=\"771\" data-end=\"795\">sourced and seasoned<\/strong><\/p>\n<\/li>\n<li data-start=\"796\" data-end=\"857\">\n<p data-start=\"798\" data-end=\"857\">Competitive rates, fast close, and simplified documentation<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d09d931 e-flex e-con-boxed e-con e-parent\" data-id=\"d09d931\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac35dd6 elementor-widget elementor-widget-spacer\" data-id=\"ac35dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-535fffc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"535fffc1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;6a0f580&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-35092517\" data-id=\"35092517\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2187f68 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2187f68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">GET IN TOUCH<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f658e99 elementor-widget elementor-widget-heading\" data-id=\"2f658e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Details<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685f3ee8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"685f3ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec69dd3 elementor-widget elementor-widget-text-editor\" data-id=\"3ec69dd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf you are interested in working with us then please drop us a line, we would love to hear from you.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32fdf2bd elementor-mobile-align-center icon_fix elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"32fdf2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@vmalending.net\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>mail<\/title><path d=\"M28 5h-24c-2.209 0-4 1.792-4 4v13c0 2.209 1.791 4 4 4h24c2.209 0 4-1.791 4-4v-13c0-2.208-1.791-4-4-4zM2 10.25l6.999 5.25-6.999 5.25v-10.5zM30 22c0 1.104-0.898 2-2 2h-24c-1.103 0-2-0.896-2-2l7.832-5.875 4.368 3.277c0.533 0.398 1.166 0.6 1.8 0.6 0.633 0 1.266-0.201 1.799-0.6l4.369-3.277 7.832 5.875zM30 20.75l-7-5.25 7-5.25v10.5zM17.199 18.602c-0.349 0.262-0.763 0.4-1.199 0.4s-0.851-0.139-1.2-0.4l-12.8-9.602c0-1.103 0.897-2 2-2h24c1.102 0 2 0.897 2 2l-12.801 9.602z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">info@vmalending.net<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:7866222224\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>phone<\/title><path d=\"M24 0h-16c-1.658 0-3 1.343-3 3v26c0 1.658 1.343 3 3 3h16c1.656 0 3-1.344 3-3v-26c0-1.658-1.344-3-3-3zM25 29c0 0.551-0.449 1-1 1h-16c-0.552 0-1-0.447-1-1v-2.004h18v2.004zM25 25.996h-18v-19.996h18v19.996zM25 5h-18v-2c0-0.552 0.448-1 1-1h16c0.551 0 1 0.448 1 1v2zM18 3.5c0 0.276-0.225 0.5-0.5 0.5h-3c-0.277 0-0.5-0.224-0.5-0.5v0c0-0.277 0.223-0.5 0.5-0.5h3c0.275 0 0.5 0.223 0.5 0.5v0zM17 28.496c0 0.275-0.225 0.5-0.5 0.5h-1c-0.276 0-0.5-0.225-0.5-0.5v0c0-0.277 0.224-0.5 0.5-0.5h1c0.275 0 0.5 0.223 0.5 0.5v0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">786 622 2224<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8f41390\" data-id=\"8f41390\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a3fe372 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6a3fe372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.vmalending.net\/book-appointment\">Schedule an appointment<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64ad915e elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"64ad915e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to make home ownership a reality?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57392156 elementor-widget__width-inherit elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"57392156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-435e9095 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"435e9095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.vmalending.net\/book-appointment\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-04628e6 e-flex e-con-boxed e-con e-parent\" data-id=\"04628e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02fe9ee elementor-widget elementor-widget-spacer\" data-id=\"02fe9ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-640e21b e-flex e-con-boxed e-con e-parent\" data-id=\"640e21b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4755ef6 elementor-widget elementor-widget-jet-animated-text\" data-id=\"4755ef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-animated-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-animated-text jet-elements\">\n<div class=\"jet-animated-text jet-animated-text--effect-fx1\" data-settings='{&quot;effect&quot;:&quot;fx1&quot;,&quot;delay&quot;:3000}'>\n\t<div class=\"jet-animated-text__before-text\">\n\t<span>This<\/span>&nbsp;<span>is<\/span>&nbsp;<span>the<\/span>&nbsp;<span>day<\/span>&nbsp;<span>we<\/span>&nbsp;<span>make<\/span>&nbsp;<span>a<\/span>&nbsp;<\/div>\n\t<div class=\"jet-animated-text__animated-text\">\n<div class=\"jet-animated-text__animated-text-item active visible\" dir=\"ltr\">\n\t<span>D<\/span><span>i<\/span><span>f<\/span><span>f<\/span><span>e<\/span><span>r<\/span><span>e<\/span><span>n<\/span><span>c<\/span><span>e<\/span>&nbsp;<\/div>\n<\/div>\t<div class=\"jet-animated-text__after-text\">\n\t<span>!<\/span><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Foreign National With the Foreign National DSCR Loan Program, purchasing or refinancing a home in the United States has never been easier \u2014 even without U.S. income, employment, or credit history. \ud83c\udf0d What Is a Foreign National DSCR Loan? The Foreign National DSCR (Debt Service Coverage Ratio) loan is a special mortgage program designed for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-3285","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Foreign National With the Foreign National DSCR Loan Program, purchasing or refinancing a home in the United States has never been easier \u2014 even without U.S. income, employment, or credit history. \ud83c\udf0d What Is a Foreign National DSCR Loan? 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