Foreign National Loans
Invest in US real estate without a Social Security number, US credit history, or US bank account. We work with investors from any country.
Available in all 50 states
Foreign National DSCR
Qualify based on rental income of the property. No US credit required.
- No SSN or US credit history needed
- Passport + foreign bank statements
- DSCR ≥ 1.0 qualification
- 30–40% down payment
- Residential and commercial
Foreign National Portfolio Loan
Asset-based qualification for non-US residents. Ideal for high-net-worth investors.
- Asset and income verification from home country
- Up to 70% LTV
- Single and multi-property
- No US tax return required
- Trust and LLC entities accepted
Non-Resident Alien (NRA) Mortgage
Residential mortgage for non-resident aliens with a US visa or work permit.
- Visa holders: H1-B, L1, O1, E2, etc.
- Foreign credit report accepted
- Minimum 20–30% down
- US bank account beneficial but not required
- Primary, vacation or investment
ITIN Mortgage
For non-US citizens who have an ITIN (Individual Taxpayer Identification Number).
- No SSN required — ITIN accepted
- W-2 or bank statement income
- 20% down on investment properties
- Available in TX, FL and more
- Community-focused programs
General Requirements
- Valid passport (any country)
- No US credit history required
- 30–40% down payment typical
- Proof of foreign income or assets
- Property in the US (all states)