Acra Lending · Lender
Acra Lending
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Acra lends directly to investors in all states and D.C., except SD
At a glance
- Property use
- Investment property
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- ITIN program offers a pathway for borrowers using an Individual Taxpayer Identification Number.
- Published options include employment verification, bank statements and asset-based qualification.
What to consider
- The published program lists up to 75% purchase LTV; separate investor options have different limits. Confirm your program and required cash contribution.
- Valid government-issued identification and program-specific income documentation are required.
- Visa, U.S. credit history and geographic eligibility are not confirmed by this listing. Obtain lender review before applying.
AI-generated lender-level assessment based on published information. Not a verified assessment of ITIN — Investment property; confirm program-specific conditions below.
Additional lender considerations
- Request personalized rates, APR, fees and a Loan Estimate. No approval or rate is guaranteed.
Newcomer requirements
ITIN — Investment property
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- ITIN
- Accepted. Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
- Income documentation
- Valid government issued ID
- Employment documentation
- Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
- Occupancy
- Investment property
View full lender requirements
- ITIN
- Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
- Income documentation
- Valid government issued ID
- Employment documentation
- Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
- Occupancy
- Investment property
- Other conditions
- Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
Questions to confirm with the lender (12)
These requirements have not been verified for this program:
- SSN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
ITIN — Investment property
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
ITIN — Investment property
- Valid government issued ID
- Investor ATR – qualify ITIN full doc or self-employed bank statements and DSCR financing up to 80%
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
ITIN mortgage financing with alternative income documentation options. Ask Acra or a participating mortgage professional to confirm residency, occupancy and underwriting requirements.
Legal lender: Citadel Servicing Corporation dba Acra Lending
Lending channel: Direct lending, Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Direct lending, Through mortgage brokers, Correspondent lending. Origination status: Not stated.
NMLS identifier: 144549
More lender directory information
Direct application information ↗
Acra lends directly to investors in all states and D.C., except SD
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.