For Brazilian Investors
Finance US Real Estate as a Brazilian Investor
Brazilian buyers have made South Florida a second home market. You can finance US property without US credit or US tax returns, through a US LLC, on the same terms as a US investor. Business-purpose loans from $1M to $5M.
Our focus is $1M to $5M, where we move fastest and typically close in about two weeks. Have something larger? We can often place it case-by-case through our capital-partner network. Either way, send us the deal.
Brazilians have been buying US real estate for a long time, and few cities feel as natural to a Brazilian investor as Miami. South Florida has become the de-facto Brazilian capital abroad, with a deep Portuguese-speaking community, Brazilian brokers and advisors, and neighborhoods where the move feels less like going overseas and more like coming home. For many families the appeal is also defensive: holding hard assets in dollars is a hedge against a volatile real and against instability at home.
The capital is rarely the problem. The obstacle is access. US banks want US credit and US income documents, and a Brazilian buyer typically has neither. Here is how it actually works, and why financing should not stop you.
Why Brazilian investors look to the US
The motivation tends to combine offense and defense. On offense, US property offers scale, liquidity, and rental demand in fast-growing markets, with Florida at the center for Brazilian buyers. On defense, owning in dollars diversifies wealth away from the real and away from domestic political and economic swings, which is why so many Brazilian families want a meaningful share of their assets held in the US.
The buyer profile is broad. Some are purchasing a condo in Miami or Orlando, others are stepping up into small multifamily as an income play. The financing logic is the same across that range.
Why a US bank usually says no
A conventional US lender underwrites on US credit history and US income documentation. A Brazilian investor has built their financial life in Brazil, so there is no US credit score and no US tax return to show. The application stalls before it starts, and the buyer is left assuming financing simply is not available to them.
It is available. It just runs on a different track, one built for international and business-purpose borrowers rather than US consumers.
Asset-based financing to a US LLC
Instead of qualifying you on US credit and personal income, this approach qualifies the deal on the asset and on your ability to service the loan. You borrow through a US LLC, which keeps the loan business-purpose and is standard for international investors.
For a rental, the DSCR program qualifies largely on the property's own rental cash flow. If the rent comfortably covers the loan payment, the property carries itself, and your lack of US credit is no longer the deciding factor. For a faster acquisition or a repositioning, bridge and fix & flip financing follow the same asset-based logic.
What makes this work for a Brazilian buyer
- You borrow through a US LLC, not in your personal name, which keeps the loan business-purpose and is the norm for international investors.
- Qualification is asset-based: a recent bank statement, a funded US LLC account, and the means to service the loan, rather than US credit or US tax returns.
- Foreign nationals are underwritten on the same terms as US investors, with no penalty for being based in Brazil.
- The full range is open to you: DSCR for rentals, plus bridge, renovation, and fix & flip, from $1M to $5M, scaling from a condo up to small multifamily.
- Closings are handled remotely, so you do not need to be in the US to complete the purchase.
How it works for a Brazilian investor
- Form a US LLC to hold the property (no US residency or SSN required)
- Open and fund a US LLC bank account, converting reais to USD
- Match the property to the right program (DSCR for a rental, bridge for a fast acquisition, fix & flip for a repositioning)
- Qualify on the asset, then close remotely from Brazil
A note on currency, tax, and compliance
Loans are denominated and serviced in USD. Your US LLC opens a US bank account that you fund from Brazil, converting reais to dollars, and that funded account also helps demonstrate that you can service the loan. Moving the real into dollars in the US is, for many Brazilian families, part of the point.
US property income has tax implications on both the US and Brazilian sides. This page is about financing, not tax advice, so plan the structure with an advisor who handles cross-border positions. We can introduce you to advisors who work with Brazilian investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. For a typical Brazilian buyer with documented funds, the process is straightforward.
Frequently asked questions
Can a Brazilian resident finance US property without US credit?
Yes. You borrow through a US LLC and qualify on the property and your ability to service the loan, not on a US credit score or US tax returns. A Brazilian investor with no US credit history can still get financing on the same terms as a US investor.
Why do US banks decline Brazilian buyers?
A conventional US lender underwrites on US credit and US income documents, which a Brazilian buyer typically does not have. Asset-based, business-purpose financing to a US LLC solves this by qualifying the deal on the asset rather than on your US consumer profile.
Do I buy in my own name or through a company?
Through a US LLC. We lend to the entity, never to an individual, which keeps the loan business-purpose and is how international investors hold US property. Forming the LLC is fast, and we guide you through it.
How do I handle currency and moving money out of Brazil?
Your US LLC opens a US bank account that you fund from Brazil, converting reais to USD. Loans are denominated and serviced in USD. International transfers are routine, and the funded account also helps demonstrate that you can service the loan. Work with your advisor on the Brazilian reporting side of the transfer.
Can I finance a small multifamily property, not just a condo?
Yes. The same asset-based approach scales from a condo up to small multifamily, with the program matched to the deal. We focus on deals from $1M to $5M across DSCR rental, bridge, renovation, and fix & flip financing.
Ready to finance your US deal?
Tell us about the property and your timeline. We will come back with the structure and next steps, usually within 24 hours.