They Check Papers. I Only Check The Rent.

June 23, 2026

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Published By

David Ghazaryan

Owner / Broker / Banker

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(702) 766-3744

NMLS 1486726

TL;DR

This guide provides a comprehensive overview for foreign nationals interested in purchasing multiple investment properties in Florida. Key topics covered include:

Understanding Portfolio Loans: Learn how these specialized loans allow you to secure financing for multiple properties under a single mortgage, bypassing the need for a U.S. credit history, Social Security Number, or U.S.-based income.
Qualifying with Property Income: Discover how lenders use the Debt Service Coverage Ratio (DSCR) to approve loans based on the rental income generated by the properties rather than your personal income. A DSCR of 1.25 or higher is typically required.
Essential Requirements: Find out about the necessary down payment, which generally ranges from 25% to 40%, the specific documentation needed from your home country, and the strong recommendation to structure your investment using a Florida LLC for liability protection.

Read the full blog article here: https://www.iqratemortgages.com/blog/florida-foreign-investor-portfolio-loan-guide

Video Transcript:

They check your U.S. papers. I just check the rent money. As David Ghazaryan, I combine many properties into one loan. The rent must always be more than all of the costs. One application for many homes, not one for each home. This simple plan lets you buy many more homes, faster. Find my complete guide and platforms in the description below.

Read Blog Here: https://www.iqratemortgages.com/blog/florida-foreign-investor-portfolio-loan-guide

David Ghazaryan

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