Call us at 877-227-0477Foreign-national investor financing
Select foreign-national and ITIN investor-loan programs can finance an eligible U.S. rental property without a Social Security number or traditional U.S. job-income documents. The lender still verifies identity, source of funds, down payment, credit or alternative credit, property value, rent, and the complete business-purpose transaction.
Answers before an application
Select lenders consider eligible foreign-national investors for rental-property purchases or refinances. Program availability depends on citizenship or residency status, property, credit history, funds, and lender guidelines.
Not on every program. A lender can consider a passport and other required identification, or an ITIN when applicable. Identity verification and source-of-funds review still apply.
Qualifying DSCR programs generally focus on eligible property rent instead of traditional personal employment income. Other personal, entity, asset, and property documents can still be required.
Some lenders can consider alternative or international credit evidence. Others require U.S. credit. A limited history can change down payment, loan size, reserves, and pricing.
Many business-purpose lenders permit an eligible LLC, but they review ownership, entity and guarantor documents, title, and the property's intended use. Confirm the lender's vesting rules before closing.
The required contribution varies by lender, property type, credit evidence, rent, and loan amount. Foreign-national programs can require more equity than a standard domestic DSCR loan, so share the price and available funds for a realistic comparison.
Select programs can consider eligible appraiser-supported market rent for a vacant rental. Rules for appraisal, lease, occupancy, and property condition vary.
Your scenario