For International Investors
Foreign National Loans for US Investment Property
Business-purpose financing for non-US investors buying or refinancing US investment property. Qualify on the asset, not US credit. $1M to $5M, structured to your US LLC.
If you live outside the United States and want to finance US investment property, you have almost certainly run into the same wall: no US Social Security number, no US credit history, and no US bank willing to underwrite you. The good news is that you do not need any of those to borrow against US investment real estate.
A foreign national loan is a business-purpose loan made to your US entity, secured by the investment property and underwritten on the asset itself, not on your personal US credit profile. This guide explains how it works, who qualifies, and what you will need.
What is a foreign national loan?
It is a business-purpose investment loan made to a US legal entity, almost always a US LLC, that a non-US resident owns. The loan is secured by US investment property (non-owner-occupied) and is used for an investment or business purpose, never for a personal residence.
Because the borrower is an entity and the purpose is investment, the loan sits outside US consumer lending. Qualification is asset-based: the lender looks at the property and your ability to service the debt, not at a US credit score or US tax returns you do not have.
Who qualifies
Non-US residents investing in US real estate through a US LLC. You do not need US citizenship, US residency, a Social Security number, or US credit history.
Underwriting is asset-based. In practice you show that the deal makes sense and that you can service the loan:
- A US LLC that will hold the property
- A recent bank statement
- A funded US LLC bank account
- The means to cover the loan payments
- Identity documents and source-of-funds verification (standard KYC)
The same terms a US investor gets
Most foreign-national programs penalize you with higher pricing and lower leverage. Ours does not. Foreign nationals are treated the same as US borrowers on these programs, provided you can document affordability. That parity is the single biggest difference, and the reason it is worth working with a broker who places these deals specifically.
Which programs are available
The full range, from $1M to $5M. Pick the one that fits your deal:
- Bridge: fast, short-term capital to acquire or reposition a property
- Development and construction: ground-up and development financing
- Renovation: capital to renovate and stabilize a property
- Fix & flip: purchase-plus-rehab financing for flip projects
- DSCR and rental: long-term financing that qualifies on the property's rental cash flow
What you will need to get started
Forming a US LLC and opening its bank account are the first practical steps, and they are fast. From there, you provide the property details, your identity documents, and proof of source of funds. We match the deal to the right US lender and manage the process to close, and you can complete it from abroad.
Frequently asked questions
Can a foreigner get financing for US investment property without US credit?
Yes. These are business-purpose loans to a US LLC, underwritten on the property and your ability to service the loan rather than on a US credit score or US tax returns. You provide a bank statement, a funded US LLC account, identity documents, and source-of-funds verification.
Do I have to live in the United States?
No. Foreign national loans are designed for non-US residents. You do not need US citizenship, US residency, or a Social Security number. You borrow through a US LLC and qualify on the asset.
How much can I borrow?
We focus on deals from $1M to $5M across bridge, development, renovation, fix & flip, and DSCR rental financing.
What documentation is required?
A US LLC to hold the property, a recent bank statement, a funded US LLC bank account, evidence you can service the loan, plus identity documents and source-of-funds verification (standard KYC). We work with investors from eligible countries and do not work with sanctioned countries or individuals.
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.