For Chinese Investors
Finance US Real Estate as a Chinese Investor
Chinese buyers lead US home purchases by dollar volume, and at the highest average price points. You can finance the same way: qualify on the asset and a funded US LLC, not on US credit or US income documents. 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.
Chinese investors are consistently the largest source of dollars spent on US homes, and they buy at the highest average price points of any international group. That tends to place these acquisitions at the higher end of the $1M to $5M range, in the markets Chinese buyers favor most: California, including Los Angeles, the Bay Area, and Irvine, and New York.
The capital is rarely the issue. The friction is financing. Most Chinese buyers have no US credit file and no US income to document, and the funds for the purchase often sit offshore or are already held inside the US. Here is how that deal gets financed, and why the structure is more straightforward than it first appears.
Where Chinese investors buy, and at what level
The pattern is well established. California is the leading destination, with concentrated demand in Los Angeles, the Bay Area, and Irvine, followed by New York. These are deep, liquid markets with strong long-term demand and a wide range of premium properties.
Because Chinese buyers transact at the top of the international price range, many of these deals naturally sit in the upper part of the $1M to $5M band we focus on. The financing has to fit that profile, and it does.
The real challenge: qualifying without US credit or US income
Traditional US lending leans on a US credit score and documented US income. A typical Chinese investor has neither, which is where conventional channels stall. They are built to underwrite a US borrowing history, not an international investor.
Asset-based, business-purpose financing solves this directly. We underwrite the property and the funded US entity that holds it, not your US credit record or your banking outside the US. If the asset performs and the entity is funded, the deal qualifies.
How asset-based financing actually works
- You borrow through a US LLC, never in your personal name. This keeps the loan business-purpose and is standard for international investors.
- We underwrite the asset and the funded US entity: the property, its performance, and the means held in the US LLC to service the loan.
- A DSCR loan qualifies a rental largely on the property's own cash flow rather than on personal income or a US credit score.
- Bridge financing covers a fast acquisition or a repositioning, then converts to longer-term financing once the asset is stabilized.
- Foreign nationals are underwritten on the same terms as US investors, with no penalty for being based outside the US.
Funding the deal from offshore or US-held funds
Many Chinese buyers fund a purchase from capital that already sits in the US, or that they move into a funded US LLC account. Either path works. What matters to underwriting is that the funds are present and evaluated at the US-entity level, inside the LLC that holds the property.
This is why the structure is so well suited to international investors. The question is not your home-country banking relationship. It is whether the US entity is funded and the asset performs, both of which we assess directly.
How it works for a Chinese investor
- Form a US LLC to hold the property, with no US residency or SSN required
- Open and fund a US LLC bank account so the entity is funded at the US level
- Match the property to the right program: DSCR for a rental, bridge for a fast or value-add acquisition
- Qualify on the asset and the funded entity, then close remotely on the same terms as a US investor
A note on tax and compliance
US property generates income and reporting obligations, so plan the holding structure with an advisor who handles both US and home-country positions. This page is about financing, not tax advice, and we can introduce you to advisors who work with international investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. Funds are evaluated at the US-entity level, in the funded LLC that holds the property.
Frequently asked questions
Can a Chinese investor finance US property without US credit?
Yes. You borrow through a US LLC and qualify on the asset and the funded entity, not on a US credit score or US income documents. We underwrite the property and the US LLC that holds it, so a Chinese investor with no US borrowing history can still get financing on the same terms as a US investor.
How do you qualify me if I have no US income to document?
Through asset-based, business-purpose underwriting. A DSCR loan qualifies a rental largely on the property's own cash flow, and bridge financing is underwritten on the asset and the funded US entity. Neither relies on US income documentation or your banking outside the US.
Can I fund the purchase from money already held in the US, or from offshore?
Both work. What matters to underwriting is that the funds are present in the funded US LLC and evaluated at the US-entity level. Whether the capital is already in the US or moved into the LLC account, the assessment is the same.
Which US markets do you finance for Chinese buyers?
We finance nationwide, including the markets Chinese investors favor most: California, with concentrated demand in Los Angeles, the Bay Area, and Irvine, and New York. These deals often sit at the upper end of our $1M to $5M range.
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 much can I borrow?
We focus on deals from $1M to $5M across DSCR rental, bridge, development, 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.