Foreign Investor Loans
"International capital meets American real estate."
Foreign nationals building US real estate portfolios. DSCR options let the property qualify itself. Close in LLC. No US income documentation required.
30%
Min Down
680+ (or international)
Min Credit
$5M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Foreign national investor
- Building US rental property portfolio
- 30% down payment available
- Property will generate rental income
- Want liability protection via LLC
This Might NOT Be Right If...
- Buying primary residence (use Foreign National program)
- Property won't rent well in the market
- Less than 30% down payment available
- Need owner-occupied financing
Foreign Investor Loans Benefits
Everything you need to know about your benefits
No Income Documentation
DSCR means the property qualifies, not your personal income
International Welcome
Non-US citizens with no residency requirements
Up to $5M Loans
Finance premium investment properties
LLC Protection
Close in US LLC for liability protection
Unlimited Properties
Build your portfolio without property count limits
Streamlined Process
Less paperwork, faster closings for investors
How It Works
Your path to homeownership in just a few simple steps
Identify Investment Property
Find a rental property with strong income potential
Verify DSCR Ratio
We confirm the rent-to-payment ratio qualifies
Form LLC (Optional)
Set up US LLC for liability protection
Close & Collect Rent
Complete purchase and start building wealth
Identify Investment Property
Find a rental property with strong income potential
Verify DSCR Ratio
We confirm the rent-to-payment ratio qualifies
Form LLC (Optional)
Set up US LLC for liability protection
Close & Collect Rent
Complete purchase and start building wealth
What You'll Need
Streamlined documentation for investors
Identity Verification
- Valid passport
- Foreign address verification
- US contact information
No visa required for investment properties
Property Documentation
- Rental income projections (appraisal)
- Lease agreement (if existing tenant)
- Property insurance quote
DSCR calculated from rental income
Financial Requirements
- 30% down payment proof
- 6 months reserves
- US bank account
No personal income docs needed
LLC Formation
We can recommend attorneys who specialize in forming US LLCs for foreign investors. LLC can be set up concurrently with your loan application.
Frequently Asked Questions
Common questions about Foreign Investor Loans
Last updated:
How does DSCR work for foreign investors?
DSCR (Debt Service Coverage Ratio) qualifies you based on the property's rental income rather than your personal income. If the expected rent covers the mortgage payment (typically 1.0x or higher), you can qualify regardless of where your income comes from.
Do I need a US visa or residency?
No. For investment properties, you don't need any US visa or residency status. You just need a valid passport and the ability to close the transaction. Many of our foreign investors never set foot in the US.
Why is 30% down payment required?
The higher down payment protects both you and the lender on investment properties. It ensures you have significant equity and keeps your loan-to-value ratio conservative for international transactions.
- We strongly recommend an LLC for serious investors. It provides liability protection (if a tenant sues, they can only go after the LLC's assets) and can offer tax benefits. We can refer you to attorneys who specialize in this.
- There's no limit with our DSCR program. As long as each property meets the DSCR requirements and you have the down payment, you can continue building your portfolio.
- Yes, you'll need a US bank account for closing and mortgage payments. We can guide you through opening one - many US banks work with foreign nationals for investment purposes.
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Build Your US Portfolio
Get DSCR pre-qualification in 15 minutes
Or call us directly: (757) 558-2603