What Is a Foreign National Loan?

Financing for foreign nationals purchasing or refinancing US investment properties. No US credit score, no SSN, no visa required. Up to 75% LTV, loans from $125,000.

How Foreign National Loans Work

We offer flexible financing for foreign nationals looking to purchase or refinance second homes and investment properties in the US. No US credit score, no SSN, and no visa required. Qualification is based on the property's rental income with a minimum 1.00x DSCR — no US tax returns needed.

Non-US citizens investing in American real estate. Whether you're buying your first US rental property or expanding an international portfolio, you don't need US credit history or residency to close.

Get a Quote → Call (862) 293-2467
Up to 75% LTV Purchase and refinance
Loan amounts from $125,000 Flexible deal sizing
No SSN, visa, or US credit score Not required to qualify
DSCR qualifying Minimum 1.00x ratio
No US tax returns needed Qualify on the property
Purchase and refinance available Flexible loan purpose

Foreign National Loan Requirements

Straightforward requirements built around the property's rental income.

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Up to 75% LTV
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Loan amounts from $125,000
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Minimum 1.00x DSCR on the property's rental income
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No SSN, visa, or US credit score required
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No US tax returns needed
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Purchase and refinance available on non-owner-occupied properties

How to Get a Foreign National Loan

No US residency or credit history required — the property qualifies for you.

1
Tell us about the property Location, purchase price or value, and projected rental income.
2
We calculate the DSCR Rental income must cover the payment at a minimum 1.00x ratio.
3
You qualify on the property No SSN, visa, US credit score, or tax returns needed.
4
Close — remotely if needed Remote closings available through approved channels.
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Common Questions

Do I need a US credit score or Social Security number?
No. Neither is required — we qualify the deal on the property's rental income.
Do I need to live in the US or hold a visa?
No residency or visa is required. The property must be a non-owner-occupied investment or second home.
How do I qualify without US income documents?
The property qualifies for you — rental income must cover the mortgage payment at a minimum 1.00x DSCR.
Can I close from outside the US?
Yes — remote closings can be arranged through approved channels.

Ready to Invest in US Real Estate?

Get a quote today. No SSN, no visa, no US credit score — qualify on the property's rental income.

Get a Quote Call (862) 293-2467