Rental Home Financing is now accepting applications for the drastically underserved foreign national sponsor who controls residential and commercial real estate in most areas within the United States. This program is carved out for the savvy international investor for most anything that is "For Rent."
We offer competitive closing costs, non-recourse lending, fast decisions, and fast closings — no nonsense. Contact us to discuss our competitive rates available today.
An Innovative Lending Program for International Investors
We are proud to be leading the way with this innovative lending program that is open to most commercially oriented properties. Currently there is no limitation on the number of properties that can be included within the portfolio. Conservative, common-sense underwriting is used to determine loan proceeds and interest rate.
Whether you are a foreign national looking to purchase your first US investment property or an experienced international investor expanding a large rental portfolio, our programs are designed to meet your needs with flexible terms and competitive pricing.
No US Citizenship Required
Open to foreign nationals from most countries. No US tax returns, Social Security number, or visa status required to qualify for financing.
Non-Recourse Available
Non-recourse lending options available for qualifying foreign national investors, limiting your personal liability to the collateral properties only.
Competitive Rates
Ultra-competitive fixed rates on 5 and 10-year terms with 30-year amortization. Loan sizes from $300,000 to $35,000,000+ for portfolio investors.
Property Types We Finance for Foreign Nationals
Our foreign national investor financing program covers a broad range of investment property types across the United States. If it generates rental income, we can likely finance it for qualified international investors.
Single-Family Rentals
Individual rental homes or portfolios of SFR properties across multiple states.
Apartments & Multifamily
Duplexes, triplexes, quads, and larger apartment buildings with rental income.
Condos & Townhouses
Investment condominiums and townhouse rentals in qualifying markets.
Commercial Properties
Commercially oriented properties that generate rental income in most US markets.
Typical Loan Guidelines
Our foreign national investor financing programs offer flexible terms with both non-recourse and full-recourse options. The table below outlines the typical loan parameters available to qualifying international investors.
| Term | Type | Index | Prepay | Recourse | Max LTV | Min. DSCR | Amort. |
|---|---|---|---|---|---|---|---|
| 5 Years | Fixed | 5-Year Swap | Options | Non-Recourse | 60% | 1.15x | 30 Years |
| 5 Years | Fixed | 5-Year Swap | Options | Full Recourse | 75% | 1.25x | 30 Years |
| 10 Years | Fixed | 10-Year Swap | Options | Non-Recourse | 60% | 1.20x | 30 Years |
| 10 Years | Fixed | 10-Year Swap | Options | Full Recourse | 75% | 1.25x | 30 Years |
Program Highlights
Our foreign national financing program stands apart from conventional lending by removing the barriers that typically prevent international investors from securing US real estate financing. Here is what sets our program apart.
Loan Parameters
- $300,000 to $35,000,000+ loan sizes
- Up to 75% LTV/LTC
- 5 or 10-year ultra-competitive fixed rates
- 25 & 30-year amortization options
Investor Benefits
- Non-recourse options for all foreign nationals
- Cash out permitted with reasonable underwriting
- No limit on number of portfolio properties
- Prepayment options available for higher rate exchange
How Foreign National Financing Works
Unlike conventional US mortgage programs that require Social Security numbers, W-2 income documentation, and US credit history, our foreign national investor financing program uses a streamlined underwriting approach focused on the investment property itself.
Initial Consultation
Contact our team to discuss your investment goals, property portfolio, and financing needs. We will outline the program parameters and documentation requirements specific to your situation.
Property & Cash Flow Analysis
We evaluate the investment property's rental income and debt service coverage ratio (DSCR). Our underwriting focuses on the property's ability to generate cash flow, not your personal tax returns or US income history.
Loan Structuring
We tailor the loan terms to your investment strategy — choosing between 5 or 10-year fixed rates, non-recourse or full-recourse options, and amortization schedules that maximize your cash flow position.
Fast Closing
Once approved, we move quickly to closing. Our streamlined process is designed for speed and efficiency so you can secure your US investment property without unnecessary delays.
No US Tax Returns Required
Our foreign national program does not require US tax returns, US credit scores, or proof of US-based income. Underwriting decisions are based on the property's loan-to-value ratio, debt service coverage, and the borrower's global financial profile. This makes our program ideal for international investors who may not have established a US financial footprint.
Get Started Today
Whether you are investing from abroad or are a foreign national residing in the United States, our team specializes in structuring financing solutions that work for international investors. Contact one of our qualified representatives today to discuss your unique opportunity and take the next step toward building your US real estate portfolio.
Call us today at 888-375-7977 for a free phone consultation or apply now to start the process.