Can a foreigner buy investment property in the USA? Yes — here's how the financing works.
Our foreign national program finances non-US citizens and non-residents buying US investment property. You do not need a Social Security number, a US credit file, or US tax returns. What you do need is documentation from your own country that proves who you are, where your money came from, and that the property makes sense as a rental.
Programs and pricing are the same for every borrower. What changes from country to country is the documentation you use to prove income, identity, and source of funds.
All loans are business-purpose loans secured by investment property only. We do not lend on owner-occupied primary residences.
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 and no US credit history required.
- Qualification is driven by the property's rental economics and by documents from your home country.
- Purchase, rate-and-term refinance, and cash-out refinance are all available.
- Single-family, 2–4 unit, condo, and short-term rental properties are eligible.
- Most investors take title in a US LLC; we can point you to formation and EIN help.
- Closings are handled remotely at a US embassy, consulate, or an approved notary abroad.
Most foreign national files are underwritten as DSCR loans: the property's market rent is measured against the payment, so your personal income statement matters far less than it would on a US consumer mortgage. That is why a borrower with no SSN and no US credit can still be financed.
The part that genuinely varies by country is documentation — which credit reference exists, what substitutes for a US tax return, how you move money and evidence its source, and how you open a US bank account. The country guides below cover exactly that.
Documentation by country
Canadian investors
Canadian citizens can finance US rental property without US credit or US tax returns. See the documents Canadians actually need and get a quick quote.
Read the guideIsraeli investors
Israeli investors can finance US rental property with Israeli bank statements and no US credit. See the documents required and request a quick quote.
Read the guideEuropean investors
European investors can finance US rental property without a US credit file. See what documentation is expected across the UK, Germany, France, Spain and more.
Read the guideNot on the list? The same programs are open to investors from most other countries. We regularly work with borrowers across Latin America, Asia, Australia and the Gulf — the documentation approach is the same, adapted to what your country issues. Tell us where you're based.
US citizen or green card holder? See our US investor loans.
Programs foreign nationals use most
Have a property in mind?
Send the address and expected rent and we'll come back with terms.