For Spanish Investors
Finance US Real Estate as a Spanish Investor
Spanish investors finance US property without US credit. Miami is your gateway, the US LLC plays the role of an SL, and the loan qualifies on the property's income. Business-purpose loans from $1M to $5M.
Miami has long been the entry point for Spanish capital into the US, a city where a Spanish-speaking investor finds a familiar community and a deep real estate market on the same side of the Atlantic mindset. Florida and the wider Sun Belt offer scale, growth, and rental demand. The obstacle is rarely capital. It is access, because US banks will not underwrite a non-resident with no US credit history.
You do not need US credit or a US bank. Here is how a Spanish investor finances US property, on the same terms a US investor gets.
Miami is your gateway
Florida, and Miami in particular, concentrates Spanish and Latin American capital, which makes it a natural and well-trodden destination for a Spanish investor. The market is large and liquid, and the kind of deal we finance, from single rentals to small portfolios, is common there.
The US LLC is your SL
Spanish investors are used to holding property through a company such as an SL. 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 SL, and a Spanish 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. Beyond DSCR, the full range is open: bridge, development, renovation, and fix & flip, from $1M to $5M.
Foreign nationals are underwritten on the same terms as US investors, with no penalty for being based in Spain.
What a Spanish investor needs
- A US LLC to hold the property (the role your SL 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 Spain
- Match the property to the right program (DSCR for a rental, bridge to move fast)
- Qualify on the asset, then close remotely from Spain
Tax and compliance
Spain 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 Spanish and US positions. We can introduce you to advisors who work with Spanish investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. Spain is an eligible country, so for a typical Spanish investor the process is straightforward.
Frequently asked questions
Can a Spanish 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 Spanish investor with no US credit history gets financing on the same terms as a US investor.
Is a US LLC like a Spanish SL?
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 SL.
Why Miami?
Florida, and Miami in particular, concentrates Spanish and Latin American capital and offers a deep, liquid market. It is the most familiar entry point for many Spanish investors, though we finance deals across all 50 states.
How do I handle currency?
Your US LLC opens a US bank account that you fund from Spain, 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.