No SSN Required · Investment Property
ITIN DSCR loans. Buy investment property without an SSN.
Investment-property financing for borrowers with an Individual Taxpayer Identification Number. The property qualifies on its rental income — not your personal tax returns.
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
How It Works
How ITIN DSCR loans work.
An ITIN (Individual Taxpayer Identification Number) is a 9-digit number issued by the IRS to individuals who need to file US taxes but don't qualify for a Social Security number. Millions of US residents have ITINs and pay taxes with them — including many active real estate investors.
Most traditional lenders require an SSN. ITIN DSCR loans bridge that gap for investors. We accept your ITIN as the primary identifier and qualify the investment property through the same DSCR framework we use for all our investor loans.
Investment property only. Quicker Home Loans is a business-purpose lender — we finance 1-4 unit rentals, multifamily, mixed-use, and other investment real estate. We do not lend on primary residences or second homes.
For qualification: the property's rental income (actual lease in place, or a market rent appraisal) is measured against the proposed mortgage payment — including taxes, insurance, HOA if any, and principal and interest. If the rent covers the payment at the required DSCR ratio, the deal qualifies. Your personal income, tax returns, and employment are not part of the underwriting.
Program
ITIN DSCR program guidelines.
ITIN DSCR
Qualify investment property on its rental income. No personal tax returns, no W-2s, no employment verification.
- ✓DSCR 1.0+ (Easy 50: no minimum)
- ✓Down payment from 15%
- ✓LTV caps vary by property type — contact us
- ✓LLC vesting available
- ✓No seasoning for cash-out
- ✓Loan amounts to $2M+
What we finance
Investment properties only — no primary residences, no second homes.
- ✓Single-family rentals
- ✓2–4 unit multi-family
- ✓5+ unit multi-family
- ✓Mixed-use & commercial
- ✓Condos (warrantable & non)
- ✓Short-term rentals (Airbnb/VRBO)
Documents
What you need.
Identity
- •ITIN letter from the IRS (CP565 or CP567)
- •Government-issued photo ID (passport, consular ID, state ID, or driver’s license)
- •Proof of US address (utility bill, bank statement)
Financial
- •Proof of down payment funds (bank statements)
- •Reserves: 3-12 months PITI
- •Lease or market rent appraisal on subject property
- •Entity documents if closing in an LLC
- •Additional documentation may be required based on underwriter review
Common Scenarios
Who uses ITIN DSCR loans.
Permanent residents and visa holders building US rental portfolios. You pay US taxes through your ITIN, you have legitimate business-purpose investment goals, but your SSN status blocks conventional lenders. DSCR underwriting looks past that because the property qualifies on its own income.
Non-resident investors purchasing US rental property from abroad. As long as you have an ITIN (or can obtain one before closing), we can underwrite your file the same way we would for any other investor. US LLC vesting is common and fully supported.
Self-employed US residents who use an ITIN and whose business structure or immigration situation makes conventional lenders awkward. If you can document your ITIN and the property cash-flows, we can usually get the deal done.
Questions
ITIN DSCR loan FAQs
An ITIN DSCR loan is an investment-property mortgage for borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. ITINs are issued by the IRS to individuals who need a US tax ID but aren’t eligible for an SSN — including some permanent residents, visa holders, and non-resident investors who file US taxes.
Ready to lower your rate?
DSCR Loans — Lower Rates Are Here.
Cash Out Refinance — More cash flow. More properties.
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.