L1 Visa Mortgage Program
U.S. Investment Property Loans for L1 Visa Holders
You moved to the U.S. on an L1 intracompany transfer. You don’t have years of U.S. tax history — and you don’t need it. Total Quality Lending qualifies your investment property loan on the property, not your paystubs.
L1 mortgage program advantages
- No U.S. tax returns required — international income docs accepted
- ITIN or passport-based ID accepted (no SSN needed)
- Up to 75% LTV on investment property purchases
- No 'time-in-U.S.' minimum — close days after arrival
- International credit references accepted (No Credit Score path)
- LLC vesting allowed for asset protection
L1 mortgage — FAQs
Can an L1 visa holder buy investment property in the U.S.?
Yes. L1 intracompany transferees have full legal right to own U.S. real estate, including investment property. There is no immigration rule restricting property ownership. Total Quality Lending provides DSCR mortgages to L1 visa holders without requiring U.S. tax returns or employment history.
Do I need to be in the U.S. for 2 years before buying property?
No. Standard conventional loans look for 2 years of U.S. employment history — that's not our program. DSCR loans qualify on the property's rental income, so you can close days after arriving in the U.S. on an L1.
What if I'm L1A (manager) vs L1B (specialized knowledge)?
Both L1A and L1B visa holders are eligible. Underwriting is identical — the visa subclass doesn't affect DSCR loan terms.
Can my spouse on L2 visa also be on the loan?
Yes. L2 spouses are eligible co-borrowers on DSCR loans, regardless of whether they have a work permit.