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Foreign National Loans
U.S. investment property financing for international buyers — no SSN required.
Apply for This LoanOverview
Foreign national loans allow non-U.S. citizens and non-permanent residents to invest in American real estate. We work with lenders who specialize in qualifying international buyers using DSCR, bank statements, or asset-based underwriting — without requiring a U.S. Social Security Number, credit history, or tax returns.
- No U.S. Social Security Number or credit history required
- Qualify using rental income (DSCR), bank statements, or assets
- Available for single-family, multifamily, and commercial properties
Loan Specifications
Min Amount
$150,000
Max Amount
$5,000,000+
Loan Term
5–30 years
Max LTV
Up to 70%
Amortization
30 years
Rate Type
Fixed or Floating (7–11%+)
Eligibility Criteria
- Non-U.S. citizens including visa holders, expats, and foreign residents
- Investment properties only — not primary residence
- Passport and visa documentation required
- 25–35% down payment typically required
- Property must be in a covered state
Required Documents
Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.
- Valid passport (and visa if applicable)
- Foreign bank statements (6–12 months)
- Proof of foreign income or assets (if income-based)
- Property appraisal and rental schedule (if DSCR-based)
- Entity formation documents (US LLC recommended)
- Visa documentation or proof of legal status