As a U.S. investor you can absolutely get a U.K. mortgage with ease. Infact a UK Buy to Let (BTL) mortgage may be a better option than an American DSCR loan. BTL mortgages in the UK currently offer lower interest rates compared to DSCR loans, which can result in significant savings over time. This makes them a more cost-effective choice, especially if you're looking to generate steady rental income without the added expense of higher loan repayment. While DSCR loans can offer higher leverage, their higher interest rates mean you’ll pay more over the life of the loan—something to keep in mind if you’re looking for long-term profitability.

Another key advantage of a UK Buy to Let mortgage is that it’s a more straightforward, traditional loan option. The approval process focuses on the rental income the property will generate, which means you can get financing based on the property's performance rather than your personal credit history. An American credit or FICO score is not considered and is not necessary, however, your personal income may be considered, though not the main factor taken into consideration.