Permanent Resident (Green Card Holder)
A non-citizen with lawful permanent residence in the U.S. (green card holder). Permanent residents qualify for DSCR loans at the same rates and LTV as U.S. citizens.
Why it matters on a DSCR loan
Green card holders are treated as domestic borrowers on DSCR files, so there is no LTV haircut or pricing premium to plan around — a common misconception among newer immigrant investors who assume they'll be priced like foreign nationals. Underwriters will simply ask for a copy of the green card alongside the standard credit and reserve documentation. If your U.S. credit history is thin, that — not your residency status — is what will drive terms, so build tradelines early.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).