Can I get a property loan?

[Stephen Coleman]

I am from the UK, I recently moved to the US with my wife(US citizen). I have a portfolio in the UK but I wish to start one in the US. 

Other than cash is private lending my only option to get started as I do not have 2 years worth of income in the USA?

I welcome your responses

[Keira Hamilton]

Hey Stephen! If you're talking about purchasing an investment property, you won't need to show income returns. With a DSCR loan, the only personal financial information lenders really care about is your FICO. Rather than focusing on your personal income, they're focusing on the income of the property to ensure it can cover the monthly payment. There will sometimes be a rate increase for non-US citizens, but you could always use your wife on the application.