For Indian Investors
Finance US Real Estate as an Indian Investor
NRIs and India-based investors put capital into US property without a US credit history. You qualify on the property and a funded US LLC, not on US income or a US credit score. 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.
Indian capital has been moving into US real estate for years. The buyers are non-resident Indians on H1-B and green cards, families with children studying or working in the States, and India-based founders and technology operators diversifying out of the rupee into hard dollar assets. For many, owning US property is also a hedge: a stable currency, a deep and liquid market, and an asset they understand.
The capital is rarely the problem. The obstacle is financing. A great many of these buyers are connected to the US through work or family yet still have no US credit history for an investment property, and a US bank will not lend without one. Here is how an Indian investor finances US property anyway, and why the structure is more straightforward than it first appears.
Why Indian investors are buying in the US
Diversification is the recurring theme. Holding part of a portfolio in dollars, in an asset class that is tangible and well understood, is attractive to anyone whose wealth and income sit largely in rupees. Add strong rental demand and a wide range of price points, and US property becomes a natural place to put long-term capital.
The destinations follow the community and the opportunity. California and the Bay Area, Texas in Austin and Dallas, New Jersey, and Florida are where Indian buyers concentrate, often near family, work, or the schools their children attend.
The real obstacle: no US credit, even when you are US-connected
Many Indian buyers are already living and working in the States on an H1-B or a green card, or they have close family who are. It feels like they should qualify easily. For an investment property held the right way, a conventional US bank still asks for a US credit history and US tax records that a recent arrival, or a parent based in India, simply does not have.
That gap is exactly what business-purpose financing is built to close. You are not judged on a US credit score you were never going to have. You are judged on the asset.
How asset-based financing solves it
Instead of underwriting your personal US credit, we underwrite the deal. The property is held in a US LLC, the loan is business-purpose, and qualification rests on the asset and your ability to fund and service it rather than on US income or a US score.
For a rental, that is the DSCR loan, which qualifies the property largely on the rental income it produces. For a fast acquisition there is bridge financing, and for a value-add project there is fix-and-flip and renovation financing. A funded US LLC bank account, supported by bank statements, anchors the file.
What this means in practice
- You borrow through a US LLC, not in your personal name, which keeps the loan business-purpose and is standard for international investors.
- Qualification is asset-based: a funded US LLC account, recent bank statements, and the means to service the loan.
- Foreign nationals, including India-based investors and NRIs without US credit, are underwritten on the same terms as a US investor.
- The full range is open to you: DSCR for rentals, plus bridge, renovation, and fix-and-flip, from $1M to $5M.
How it works for an Indian investor
- Form a US LLC to hold the property (no US residency or SSN required)
- Open and fund a US LLC bank account, moving rupees into USD
- Match the property to the right program (DSCR for a rental, bridge for a fast close)
- Qualify on the asset, then close remotely from India
A note on currency and compliance
Moving capital from India into a US LLC account is routine, and the funded account also helps demonstrate that you can service the loan. Loans are denominated and serviced in USD, so part of the appeal for a rupee-based investor is the dollar exposure itself.
Cross-border moves of this size have tax and remittance implications on both sides, so plan the structure with an advisor who handles Indian and US positions. This page is about financing, not tax advice. On our side we complete standard identity and source-of-funds checks, as any US lender does, and we can introduce you to advisors who work with Indian and NRI investors.
Frequently asked questions
Can an NRI or India-based investor finance US property without US credit?
Yes. You borrow through a US LLC and qualify on the property and your ability to fund and service the loan, not on a US credit score or US tax returns. An Indian investor with no US credit history can still get financing on the same terms as a US investor.
I am on an H1-B or green card but have no US credit for an investment property. Does that work?
It does. Even US-connected buyers often lack a US credit history for a separate investment property. Business-purpose financing to a US LLC is underwritten on the asset, so the missing US score is not the obstacle it would be at a conventional bank.
Where do Indian investors usually buy?
Most concentrate where the community and the opportunity overlap: California and the Bay Area, Texas in Austin and Dallas, New Jersey, and Florida. The financing structure is the same across markets.
How do I handle currency, moving rupees into dollars?
Your US LLC opens a US bank account that you fund from India, converting rupees to USD. Loans are denominated and serviced in USD, and for many Indian investors that dollar exposure is part of the point. The funded account also helps demonstrate you can service the loan.
How much can I borrow?
We focus on deals from $1M to $5M across DSCR rental, bridge, renovation, and fix-and-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.