For Swiss Investors
Finance US Real Estate as a Swiss Investor
Diversify into US property and the dollar without US credit or a US bank. Business-purpose financing to your US LLC, qualified on the asset, from $1M to $5M.
Swiss investors and family offices have long looked beyond a small domestic market for yield and diversification, and US real estate is a natural destination: dollar exposure, scale, and rental demand across fast-growing regions. The capital is rarely the constraint. The constraint is access, because even with a strong Swiss banking relationship, US banks will not underwrite a non-resident who has no US credit history.
You do not need US credit or a US bank. Here is how a Swiss investor finances US property, on the same terms a US investor gets.
Hold it the way you already think
Swiss investors are used to holding assets through a clean, dedicated structure. US investment property works the same way: you hold it in a US LLC, and the loan is made to that company, never to you personally. This keeps the loan business-purpose and keeps the asset cleanly separated from your personal affairs.
A Swiss resident can own a US LLC with no US residency and no Social Security number, and forming one is fast and inexpensive.
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 Switzerland.
What a Swiss investor needs
- A US LLC to hold the property
- A funded US LLC bank account, converting CHF 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 Switzerland
- Match the property to the right program (DSCR for a rental, bridge to move fast)
- Qualify on the asset, then close remotely from Switzerland
Tax and compliance
Switzerland 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 Swiss and US positions. We can introduce you to advisors who work with Swiss investors and family offices.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. Switzerland is an eligible country, so for a typical Swiss investor the process is straightforward.
Frequently asked questions
Can a Swiss 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 Swiss investor with no US credit history gets financing on the same terms as a US investor.
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.
Do I borrow personally or through a company?
Through a US LLC. We lend to the entity, never to an individual, which keeps the loan business-purpose and is how international investors and family offices hold US property.
How do I handle currency?
Your US LLC opens a US bank account that you fund from Switzerland, converting CHF 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.