Financing Options for U.S. Residents
Explore programs tailored for U.S. citizens and residents purchasing a primary home.
For U.S. investors buying rental/income properties.
Your financing choice impacts everything—rates, down payment, timeline, and long-term success. ArBlo matches your profile and property with the right lender and program, whether you're a first-time buyer, seasoned investor, or international purchaser. We simplify what others complicate, delivering transparent guidance every step of the way.
DSCR Loans
Best for: Investors purchasing rental properties where qualification is based on property cash flow rather than personal income.
Why choose it:
No personal income verification required.
Approval based on property’s rental cash flow (Debt Service Coverage Ratio).
Ideal for investors with multiple properties or variable income sources.
Great option for scaling your portfolio quickly and efficiently.
Typical requirements:
DSCR ≥ 1.0 (rental income covers debt payments).
20–25% down payment.
Market-based appraisal required.
Cash reserves may be required depending on the lender.
Perfect for a $500K condo with 20% down, without using your W-2 income.
Docs at a glance:
Bank statements - Lease agreements - Property appraisal
Timeline: 30-45 days
Get pre-qualified
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Jumbo Loans
Best for: U.S. investors purchasing higher-priced homes or condos above conforming limits (FHFA), often in prime locations.
Why choose it:
Finance properties that exceed standard loan caps.
Competitive rates for strong-credit borrowers.
Option to avoid PMI with ≥20% down.
Useful for scaling into premium assets with long-term appreciation potential.
Typical requirements:
Loan amount above the local conforming limit.
Credit score typically 700+.
Down payment usually 10–20% (20%+ strengthens approval).
DTI ≤ 43–45%.
Reserves often 6–12 months of payments (may be higher by lender).
Full appraisal (sometimes two for high values).
Ideal for a $1.2M Miami Beach condo with 20% down, strong credit, and documented assets for reserves.
Docs at a glance:
W-2s/Paystubs or 2 years Tax Returns (if self-employed) • Bank/asset statements • Appraisal report(s)
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Alt-Doc Loans
Best for: Self-employed professionals, business owners, or investors in the U.S. who can’t (or prefer not to) qualify with traditional W-2s or tax returns.
Why choose it:
Qualify using bank statements, 1099s, or assets, instead of full tax returns.
Flexible option for self-employed borrowers with strong cash flow.
Provides access to financing even if income is not fully reported in W-2s.
Great solution for entrepreneurs expanding their real estate portfolio.
Typical requirements:
12–24 months of personal or business bank statements, or recent 1099s.
Credit score typically 660+.
Down payment often 20–30%.
Debt-to-income ratio considered but more flexible than conventional.
Appraisal and reserves required depending on the loan size.
Perfect for a $600K property financed with 12 months of business bank statements instead of W-2s or full tax returns.
Docs at a glance:
Bank statements - 1099s - Asset statements - Appraisal
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Pre-Qualification
Quick income and credit assessment to determine buying power.
Documents
Provide required docs (bank statements, pay stubs, or alternative docs depending on the loan type).
Underwriting
Our lending partners review your application and confirm eligibility.
Appraisal & Close
Property is appraised, final approval is issued, and your closing is scheduled.
Financing Glossary
DSCR
Debt Service Coverage Ratio - A measure of property cash flow calculated as Net Operating Income divided by total debt service (mortgage payments).
LTV
Loan-to-Value ratio - The percentage of the property's value that is financed. For example, an 80% LTV means you're borrowing 80% and putting 20% down.
DTI
Debt-to-Income ratio - Your total monthly debt payments divided by your gross monthly income, expressed as a percentage.
Reserves
Cash or liquid assets held in reserve after closing, typically measured in months of mortgage payments. Required by many lenders as a safety cushion.
Not sure which program fits you?
Talk to a specialist today.
Answering your questions
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Still have questions? Our specialists are here to guide you through the best option for your needs.
Information provided is for educational purposes only and should not be considered financial or legal advice. Loan terms, rates, and requirements vary by lender and borrower profile. Please consult with a licensed professional for personalized guidance.