Visa Holder Mortgages
U.S. Investment Property Loans for Visa Holders
Every major visa category — H1B, L1, E2, O-1, TN, EB-5, and F-1 — is fully eligible to own U.S. investment property. Total Quality Lending provides DSCR mortgages without requiring U.S. tax returns, W-2 history, or an SSN.
Mortgage programs by visa type
- H1B
H1B Visa Holders
Specialty occupation workers — most commonly tech, engineering, healthcare, and finance professionals. Buy U.S. investment property without W-2 history.
- L1
L1 Visa Holders
Intracompany transferees moved to the U.S. by a foreign employer. DSCR loans available regardless of U.S. employment history.
- E2
E2 Visa Holders
Treaty investor visa holders running U.S. businesses. Add rental property income to your portfolio without conventional loan friction.
- O-1
O-1 Extraordinary Ability
Entrepreneurs, scientists, artists, athletes with irregular income — equity, royalties, prize money. DSCR underwrites the property, not your paystubs.
- TN
TN Visa Holders (USMCA)
Canadian and Mexican professionals under the USMCA. Annual renewal is routine and unlimited — no obstacle to U.S. real estate ownership.
- EB-5
EB-5 Investor Visa
High-net-worth investors building U.S. real estate around the EB-5 anchor. Complex international wealth structures underwrite cleanly.
- F-1
F-1 / F-2 Student Visas
International students and dependents — family-funded down payments accepted, no U.S. income required. F-1, F-2, OPT, STEM-OPT all eligible.