For Italian Investors
Finance US Real Estate as an Italian Investor
Italian investors finance US property without US credit. Hold it in a US LLC the way you would use an Srl, and qualify on the property's income. Business-purpose loans from $1M to $5M.
Italian investors have been active in US real estate for years, with a particularly strong presence in Miami and Florida, as well as New York. The appeal is a large, liquid market with price points and yields that the Italian market rarely matches. The wall is always the same one: no US credit history, and no US bank that will lend to a non-resident.
You do not need either. Here is how an Italian investor finances US property, on the same terms a US investor gets.
The US LLC is your Srl
Italian investors are used to holding property through a company such as an Srl. The US LLC plays the same role: it owns the property, the loan is made to the company rather than to you personally, and the loan stays business-purpose.
A US LLC is faster and cheaper to set up than an Italian company, and an Italian resident can own one with no US residency and no Social Security number.
Qualify on the asset, not on US income
The core product for a rental investor is the DSCR loan, which qualifies on the property's rental income rather than on your personal income or a US credit score. For more entrepreneurial investors, fix & flip and bridge financing fund quick acquisitions and value-add projects. The full range runs from $1M to $5M.
Foreign nationals are underwritten on the same terms as US investors, with no penalty for being based in Italy.
What an Italian investor needs
- A US LLC to hold the property (the role your Srl plays at home)
- 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 Italy
- Match the property to the right program (DSCR for a rental, bridge or fix & flip to move fast)
- Qualify on the asset, then close remotely from Italy
Tax and compliance
Italy and the US have a tax treaty, and US property income has implications on both sides. This page covers financing, not tax advice, so plan the structure with an advisor who handles Italian and US positions. We can introduce you to advisors who work with Italian investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. Italy is an eligible country, so for a typical Italian investor the process is straightforward.
Frequently asked questions
Can an Italian 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. An Italian investor with no US credit history gets financing on the same terms as a US investor.
Is a US LLC like an Italian Srl?
For 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 Srl.
Can I finance a fix and flip?
Yes. Beyond DSCR for rentals, we place fix & flip and bridge financing for quick acquisitions and value-add projects, all to your US LLC, from $1M to $5M.
How do I handle currency?
Your US LLC opens a US bank account that you fund from Italy, 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.