Foreign national mortgage loans for U.S. investment property.
Buy or refinance U.S. investment property from abroad. Every loan program is open to you.
No SSN. No U.S. credit. No U.S. tax returns.
Get your same-day term sheet
A few quick questions. No credit pull.
Where do you live?
A rough number is fine.
Program snapshot*
- Loan size
- $100K-$3M
- Max LTV
- 70%
- Cash-out refi LTV
- 65%
- Term
- Fixed, ARM or interest-only
- Borrow as
- Your U.S. LLC
- Investors
- Worldwide
- Programs
- Every program
- Origination
- 1-2 points
* Subject to underwriting. Terms as of November 2026. Plus third-party costs (appraisal, title, closing). Every fee is listed on your term sheet.
See loan detailsWhat you get
- Every program: DSCR, fix and flip, bridge, construction and multifamily
- No SSN or ITIN required
- No U.S. credit history. Home-country credit accepted.
- Rentals qualify on the property's rent
- Purchase, refinance and cash-out refinance
- Single-family homes, 2-4 units, condos and short-term rentals
- Close remotely: sign at a U.S. embassy, consulate or approved notary abroad
Term sheet
Same day
Who it's for
- Living outside the U.S. and buying U.S. investment property
- Owning U.S. property and refinancing or pulling cash out
- Building a U.S. rental portfolio while living abroad
- Investing from Israel, Europe, Canada, Latin America or Asia
Guides for your country
The paperwork differs by country. See what investors from Canada, Israel, Mexico and Europe need.
Guides by countryFrom request to funded
Send the deal
Citizenship, property and reserves. No SSN needed.
Term sheet
Rate, leverage and DSCR, the same day.
Remote close
Sign at a U.S. consulate or approved notary. Fund in 30 days.
Frequently asked questions
Do I need to be in the United States to close?
No. Closings are remote: sign at a U.S. consulate, embassy or approved international notary.
Do I need an ITIN?
No. An ITIN (a U.S. tax number for individuals) is not required for the loan. A CPA referral is available if you want one.
Do I need to put it in an LLC?
Usually. Most lenders require an LLC for foreign investors, and it protects you.
Can foreign investors get fix and flip or bridge loans?
Yes. Every program is open to investors living outside the U.S., not only DSCR rental loans.
That includes fix and flip (hard-money), bridge, construction and multifamily. No SSN or U.S. credit needed.
How much in reserves do I need?
6 to 12 months of loan payments, taxes and insurance, in most cases.
Hold them in any verifiable bank account, in the U.S. or abroad.
Sources
Related
Ready to price your deal?
Term sheet the same business day. No hard credit pull.