Homes.comArticle
DSCR loans explained: How real estate investors qualify without traditional income verification
"DSCR loans are ideal for foreign investors because the lender does not require them to be a U.S. citizen."
Press & Media
Press and Media Resources
Expert comment on foreign investment in U.S. rental property from David Garner, who has purchased 120+ U.S. rentals from overseas.
Everything journalists, producers and podcast hosts need in one place: recent coverage, story angles, spokesperson bios and a free media kit. For interviews or comment, email David directly. We respond the same day to media deadlines.
Media contact
David Garner, Co-Founder and General Manager
Live interviews 7am to 9pm ET, Monday to Friday. Based in Brazil (UTC-3).
As Featured In
Where Has Cashflow Rentals Been Featured?
Articles, podcasts and interviews featuring David Garner on buying, financing and owning U.S. rental property as a foreign national.
Featured Interview
The Real Estate Trap Behind Cheap Rental Properties
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Expert Commentary in the Press
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"My overseas buyers are more concerned with control over the asset and decision-making."
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"This is a withholding tax of 30% of your gross income. It is extremely high and instantly makes most property investment purchases unfeasible."
Coverage last updated October 2026.
Data You Can Quote
What Are Foreign Investors Paying, Earning and Borrowing?
Figures from Cashflow Rentals client purchases, free to quote with attribution to Cashflow Rentals. Updated October 2026.
50+
Client purchases closed since 2024
10% to 12%
Typical gross yield on client rentals, last 12 months
$175K to $275K
Typical purchase price, with rents of $1,500 to $2,400 a month
25% to 30%
Typical down payment, about $70K total cash on a $200K home (varies by lender and property)
6.75% to 7.75%
Foreign national Debt Service Coverage Ratio (DSCR) loan rates, 30-year fixed
Canada, Taiwan, Colombia
Top countries for investor inquiries
How Do Rental Yields Compare?
Gross rental yield (annual rent divided by price)
Roughly two to three times the gross yield of a typical home in Toronto, London or Sydney.
Sources: Sydney, all dwellings, Cotality Home Value Index, August 2026. Toronto, average condo apartment price $640,248 (TRREB Market Watch, September 2026) against average apartment and condo asking rent $2,570 a month (Rentals.ca and Urbanation, August 2026). London, average house price £554,000 (ONS, August 2026) against average private rent £2,338 a month (ONS, September 2026). U.S. Midwest, Cashflow Rentals client purchases over the last 12 months. Gross yields exclude taxes, insurance, maintenance and vacancy.
Quote Bank
Ready-to-Use Quotes from David Garner
Approved for publication. Attribute to David Garner, Co-Founder and General Manager, Cashflow Rentals.
Cheap rentals
"The cheapest rental is usually the most expensive one you'll ever own. You pay for it in repairs, vacancies and tenants you can't keep."
Lessons learned
"I scaled to more than 120 rentals and nearly lost everything. Chasing cheap, high-yield houses in tough neighborhoods taught me that cash flow on a spreadsheet isn't cash flow in the bank."
Why the U.S.
"For investors in Toronto, London or Sydney, the numbers stopped working at home years ago. The U.S. Midwest is one of the few places left where the rent still covers the mortgage."
DSCR loans
"A DSCR loan doesn't care where you live or what you earn. It asks one question: does the property's rent cover the payment?"
Buying remotely
"You don't need to visit a property to buy it well. You need an independent inspector, an appraiser and a team on the ground who will tell you the truth."
Quality
"Paying a fair price for a fully renovated home in a stable neighborhood beats a bargain that needs a new roof in year two."
Tax
"Most foreign buyers are shocked by the default 30% withholding on gross rent. It is usually avoidable with the right tax filing, so get advice before you buy, not after."
Investor trends
"My overseas clients want control. They're moving away from syndications toward single-family homes they can own, finance and understand."
Story Ideas
What Can David Garner Comment On?
Ready-made angles for journalists and podcast hosts, with questions David is regularly asked.
01
Why foreign investors are buying U.S. rentals
Where the numbers still work for buyers from Canada, the UK, Australia and Latin America.
Sample questions
- Why the Midwest, and why now?
- Is the U.S. still affordable for overseas buyers?
02
U.S. mortgages with no U.S. credit
How Debt Service Coverage Ratio (DSCR) loans let non-residents qualify on rental income instead of personal income.
Sample questions
- How does a DSCR loan actually work?
- What deposit does a foreign buyer need?
03
Buying a house you never visit
Remote due diligence, inspections and closing by Remote Online Notarization (RON).
Sample questions
- Is it safe to buy property sight unseen?
- How do you vet a property from abroad?
04
Quality over hype: lessons from 120+ purchases
A candid founder story about scaling fast with cheap, high-yield rentals, nearly losing everything, and rebuilding around quality.
Sample questions
- What was your most expensive mistake?
- What does a good rental really look like?
05
Owning U.S. property as a non-resident
LLC structures, Foreign Investment in Real Property Tax Act (FIRPTA) basics and the net election, in plain language.
Sample questions
- Should foreign buyers use an LLC?
- What tax surprises catch overseas landlords?
06
Housing affordability, seen from abroad
How U.S. rent-to-price ratios compare with home markets in Canada, the UK and Australia.
Sample questions
- Why can't investors make the numbers work at home?
- What would change the picture?
Company Background
Cashflow Rentals Fast Facts
- Founded
- 2024
- Founders
- David Garner and Jo Garner
- What we do
- Help foreign investors buy and manage U.S. rentals remotely
- Business type
- Consultancy, not a real estate broker
- Based
- Brazil, working with clients worldwide
- Markets
- Across the U.S. Midwest
- Founder track record
- 120+ U.S. rentals purchased since 2016
- Financing secured
- $5.5M+ in foreign national financing
- Clients from
- Canada, Taiwan, Germany, Colombia, Spain and more
- Languages
- English and Spanish
About Cashflow Rentals
Cashflow Rentals is a bilingual consultancy that helps international investors buy, finance and manage U.S. rental property remotely. Founded in 2024 by David and Jo Garner, the company guides clients through property sourcing, foreign national financing, purchase support and property management, with no U.S. credit, Social Security Number or residency required. Co-founder David Garner has personally purchased more than 120 U.S. rental properties from overseas since 2016. The company is based in Brazil and invests across the U.S. Midwest.
Spokespeople
Who Is Available for Interviews?
David Garner
Co-Founder and General Manager
David Garner is co-founder and general manager of Cashflow Rentals and a British investor who has personally purchased more than 120 U.S. rental properties as a foreign national since 2016. Based in Brazil, he helps overseas investors buy, finance and manage U.S. rentals remotely, and speaks openly about the mistakes that shaped his quality-first approach.
Foreign investmentDSCR financingRemote ownershipLessons from 120+ purchases
Jo Garner
Co-Founder and Operations Manager
Jo Garner is co-founder and operations manager of Cashflow Rentals. An Australian-Argentinian investor with a Master's Degree in Coaching Psychology from the University of Sydney, she brings more than 15 years of experience in organizational development and client support, and oversees investor communications and client experience.
Investor decision-makingClient experienceSpanish-language interviewsHusband-and-wife business
For Podcast Hosts: Read-Aloud Intro
"My guest today is David Garner, a British investor who has bought more than 120 U.S. rental properties without ever living in the United States. He is co-founder of Cashflow Rentals, which helps international investors buy and manage American rentals remotely, and he is here to share what works, and what he learned the hard way."
David records remotely with an HD webcam and headset, on Zoom, Riverside, StreamYard or your platform of choice.
Entrevistas en español
Jo Garner, cofundadora y gerente de operaciones
Jo Garner, cofundadora y gerente de operaciones de Cashflow Rentals, está disponible para entrevistas en español sobre cómo invertir en propiedades de renta en Estados Unidos desde Latinoamérica: cómo financiar sin historial crediticio en EE. UU., cómo comprar a distancia y qué esperar como propietario extranjero. Jo es inversionista australiana-argentina, tiene una maestría en Psicología del Coaching de la Universidad de Sídney y más de 15 años de experiencia en desarrollo organizacional y atención al cliente.
Media Kit
Download Photos, Logos and Fact Sheet
No sign-up needed. Everything here is free to use in editorial coverage of Cashflow Rentals.
Bios and Boilerplate
Plain text. Short and long bios for David and Jo, plus the company description.
Download TXT
Please don't stretch, recolor or alter the logo. Photos may be cropped but not otherwise edited. Credit "Cashflow Rentals" where possible. Need something else, such as deal data or a specific photo? Just ask.
From Press to Proof
What Do Our Clients Say?
"It's actually night and day when compared with what I have in Canada."
Ronald E.Ottawa, Canada. Bought his first U.S. rental remotely, now buying his second.
$163K
Purchase price
$1,695
Gross rent a month
11.5%
Cash-on-cash return
A real client purchase. Individual results vary.
Choose Your Path
Two ways to get started
I'm ready to buy
Get matched with your first property
- Fully renovated, cash flowing rentals
- Matched to your buy box and budget
- Guided end to end, fully remote
I'm still looking
The Foreign Investor Starter Kit
- Plain-English guides and checklists
- Free calculators to run the numbers
- Learn the ropes, no pressure
For Journalists
Media FAQ
How do I request an interview with David Garner?
Email dg@cashflowrentals.net with your outlet, topic and deadline. We respond the same day to media deadlines, and urgent requests can go to WhatsApp on +55 73 99837-0211. Interviews are available by video, phone or written Q&A, in English with David or in Spanish with Jo.
How does Cashflow Rentals make money?
Cashflow Rentals is a consultancy paid in four ways: a buyer services fee that clients pay for each property, consulting fees for separate sourcing engagements, marketing fees from U.S. property providers whose properties we list, and referral fees from some lenders and service partners. We are happy to explain how any of these apply to a specific deal or story.
Can I use the logos and photos on this page?
Yes. All media kit assets are free to use in editorial coverage of Cashflow Rentals. Please don't alter the logo, and credit Cashflow Rentals where possible.
Can Cashflow Rentals provide real deal data for a story?
Yes. We can share anonymized figures from real purchases, such as price, rent and financing terms, and with client permission can connect you with investors willing to talk about their experience.
Is David available for podcasts and video interviews?
Yes. David joins podcasts and video shows remotely from Brazil, live or recorded, between 7am and 9pm Eastern Time, Monday to Friday, using an HD webcam and headset on Zoom, Riverside, StreamYard or your platform of choice.
Is Cashflow Rentals a real estate broker?
No. Cashflow Rentals is a consultancy. It does not act as a real estate broker or investment advisor, and works alongside licensed agents, lenders, title companies and property managers.
Media Inquiries
Working on a Story?
"I'm happy to share what I've learned buying 120+ U.S. rentals from overseas, the wins and the mistakes."David Garner, Co-Founder and General Manager
Request an Interview
Reply within one business day. English and Spanish.