U.S. property loans for investors who live abroad
Investment property loans for non-U.S. citizens and non-residents, arranged with direct lenders.
No Social Security number. No U.S. credit file. No U.S. tax returns.
What you need: documents from your own country that prove who you are, where your money came from and that the deal works.
Same terms for foreign investors from every country. Only the documents change: proof of identity, income and source of funds.
Business-purpose loans secured by investment property only. No loans on owner-occupied homes.
This is general information, not tax or legal advice. Consult your own advisors.
What's true no matter where you live
- No Social Security number. No U.S. credit history.
- Every loan program: DSCR, fix and flip, bridge and construction.
- You qualify on the property and documents from your home country.
- Purchase, rate-and-term refinance and cash-out refinance.
- Single-family, 2-4 unit, condo and short-term rental properties.
- Most investors take title in a U.S. LLC.
- Close remotely at a U.S. embassy, consulate or approved notary abroad.
Most foreign national files are DSCR loans: the property's market rent is measured against the payment.
Personal income matters far less than on a U.S. consumer mortgage, so a borrower with no SSN and no U.S. credit still qualifies.
What varies by country is documentation: which credit reference exists and what replaces a U.S. tax return.
The same goes for moving money, documenting its source and opening a U.S. bank account. The country guides below cover each one.
Documentation by country
Canadian investors
Canadians can finance U.S. rentals with no U.S. credit and no U.S. tax returns. The documents you need, and a same-day term sheet.
Read the guideIsraeli investors
Israelis can finance U.S. rentals with Israeli bank statements and no U.S. credit. The documents you need, and a same-day term sheet.
Read the guideEuropean investors
European investors can finance U.S. rentals with no U.S. credit file. Documents for the UK, Germany, France, Spain and more.
Read the guideMexican investors
Mexicans can finance U.S. rentals with Mexican bank statements and no U.S. credit. Same-day term sheet.
Read the guideNot on the list? The same programs are open to investors from most other countries.
Investors across Latin America, Asia, Australia and the Gulf use these programs regularly.
The documents adapt to what your country issues. Tell us where you're based.
U.S. citizen or green card holder? See U.S. investor loans.
Programs foreign nationals use most
Have a property in mind?
Send the address and expected rent. Term sheet the same business day.