For French Investors
Finance US Real Estate as a French Investor
You do not need US credit or a US bank. The US LLC plays the role you already know from an SCI, and the loan qualifies on the property's income. Business-purpose financing from $1M to $5M, with someone who knows both systems.
French investors have looked to US real estate for years, drawn by yields and a market that a controlled, heavily taxed French market rarely offers. Florida in particular has a deep French-speaking community and a steady flow of French capital. The wall is always the same one: no US credit history, no US bank that will lend to you, and no clear path through the American system.
Passy Capital exists to remove that wall. It is run by a French founder who has learned the US lending market from the inside, so you deal with someone who understands both your starting point and the US process.
The US LLC is your SCI
French investors are used to holding rental property through an SCI, a dedicated company that owns the asset and separates it from personal affairs. The US works the same way: you hold the property in a US LLC, and the loan is made to that company, never to you personally. This keeps the loan business-purpose, which is exactly what you want.
Forming a US LLC is faster and cheaper than setting up an SCI, and a French resident can own one with no US residency and no Social Security number.
You qualify on the property, not on US income
The core US product for a rental investor is the DSCR loan. It qualifies on the property's rental income rather than on your personal income or a US credit score. If the rent comfortably covers the payment, you qualify. No US tax returns, no US credit history.
Beyond DSCR for rentals, the full range is open: bridge for fast acquisitions, plus development, renovation, and fix & flip, from $1M to $5M.
What a French investor needs
- A US LLC to hold the property (the role your SCI plays in France)
- A funded US LLC bank account, converting EUR to USD
- A recent bank statement and the means to service the loan
- Identity documents and source-of-funds verification (standard KYC)
How it works
- Form a US LLC (no US residency or SSN required)
- Open and fund the US LLC account from France
- Match the property to the right program (DSCR for a rental, bridge to move fast)
- Qualify on the asset, then close remotely from France
Tax and compliance
France and the US have a tax treaty, and US property income has consequences on both sides. This page covers financing, not tax advice, so plan the structure with an advisor familiar with French and US positions. We can introduce you to advisors who work with French investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. France is an eligible country, so for a typical French investor the process is straightforward.
Frequently asked questions
Can a French 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 French investor with no US credit history gets financing on the same terms as a US investor.
Is a US LLC like a French SCI?
For the purpose of holding investment property and borrowing against it, yes. Both are companies that own the asset and keep it separate from your personal affairs. The US LLC is the entity we lend to, and it is faster and cheaper to set up than an SCI.
How is the loan underwritten?
On the asset. For a rental, a DSCR loan qualifies on the property's rental income. You provide a bank statement, a funded US LLC account, identity documents, and source-of-funds verification. Foreign nationals are treated the same as US borrowers, with no penalty for being based in France.
How do I handle currency?
Your US LLC opens a US bank account that you fund from France, converting EUR to USD. Loans are denominated and serviced in USD, and the funded account also helps demonstrate that you can service the loan.
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.