Foreign National Qualifier · 30+ Countries · No US Credit Required
Buy US property
from anywhere in the world.
Select your country, visa status, and property type to see exactly which program fits, estimated rates, minimum down payment, and the documents you'll need.
60+ countries financed
No US credit required
No US tax returns
No US income documentation
Your Profile
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Your Qualifying Profile
Program match based on your inputs
Best Program Match
Foreign National DSCR
Investment property · No US credit needed
Min Down Payment
30%
Est. Rate Range
7.75–8.50%
Down Payment Needed
$135,000
Estimated Loan
$315,000
Tax Returns Required
No
US Credit Required
No
Documents Typically Needed
Minimum Down Payment by Program
Your Match
You qualify for our Foreign National DSCR program with 30% down and no US credit history required.
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No US credit · No tax returns · 60+ countries
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Foreign National Financing
Buying US property from abroad — what you need to know
Foreign nationals can buy investment property, vacation homes, and primary residences in the United States. The process is different from domestic financing — but it's more accessible than most buyers realize. You don't need US credit history, US tax returns, or even a US bank account to start the process.
The three main programs
- Foreign National DSCR: For investment properties. Qualifies on rental income, not your income. 30–35% down. No US credit needed. Available for buyers from 60+ countries.
- Foreign National Full Doc: Uses your home country income documentation. Better rates for buyers who can document income with pay stubs or business financials from their home country.
- ITIN Loans: For buyers with an ITIN (Individual Taxpayer Identification Number). More flexible than traditional foreign national programs. Down payment as low as 15–20% on some programs.
Move Fast
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Get My Free Report →Questions
Common questions answered.
Do I need US credit to buy property in the United States?
No. Foreign national DSCR loans qualify based on the property's rental income, not your personal credit or income. You don't need a US credit score, US bank account, or US tax returns to qualify for an investment property loan.
What's the minimum down payment for a foreign national?
For investment properties, most foreign national programs require 30–35% down. For vacation homes, 30%+ is typical. ITIN holders may qualify with 15–20% down on some programs. The exact requirement depends on your country, visa status, and property type.
Can I close the purchase remotely without traveling to the US?
Yes. Many foreign national purchases close remotely with a power of attorney or through a notary in your home country. We've helped buyers from Brazil, Mexico, Colombia, Canada, and Europe close entirely without traveling to the US.
Can I buy with an LLC or foreign corporation?
Yes. Foreign national buyers often purchase through a US LLC for liability protection and estate planning purposes. This does not affect qualification — DSCR loans are entity-friendly by design.
How big is the foreign buyer market in the US?
Substantial. Industry data shows foreign nationals purchase roughly $53 billion in US residential real estate annually across roughly 85,000 buyers, with a median purchase price above the overall US median. Florida leads with about 23% of foreign purchases, followed by California and Texas at about 12% each. Top buyer countries include China, Mexico, Canada, India, and Colombia. Programs exist specifically for these buyers — typically up to 75% LTV with no mortgage insurance, no domestic credit score required, and cash-out options.
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