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Foreign National CRE
For non-U.S. residents with no credit history.
At a glance
Built for international investors buying U.S. real estate without a domestic credit footprint. Qualify with a valid passport and visa, choose Full Doc, Bank Statement, Asset Qualifier or DSCR documentation, and use gift funds toward your down payment.
Program highlights
- Loan amounts up to $3M
- Purchase up to 75% LTV | Cash-out to 70%
- No U.S. credit score required
- Full Doc, Bank Statement, Asset Qualifier, or DSCR
- Gift funds allowed for down payment
- SFR, 2–4 unit, condos, and condotels
- Second home and investment properties only
- Valid passport and visa or equivalent required
- Min loan: $100k | No mixed-use properties
How funding works
- Send a passport scan + visa and a sourced down-payment letter
- Pick a doc path: Full Doc, Bank Statement, Asset Qualifier, or DSCR
- We order the U.S. appraisal and clear title in parallel
- Close at a U.S. notary or consulate — funds wired same day
Worked scenarios
Toronto investor buying a Miami condo
Borrower: Non-U.S. resident, no FICO, $400k in liquid assets
Property value: $800,000 · Loan amount: $600,000
Outcome: 75% LTV purchase using Asset Qualifier docs — no U.S. credit needed.
London-based DSCR cash-out
Borrower: Foreign national, two existing U.S. rentals
Property value: $1,200,000 · Loan amount: $840,000
Outcome: 70% LTV cash-out refi qualified entirely on rental income.
Why this program
Foreign-national loans are non-QM by design — they sit outside Fannie/Freddie guidelines, which is why visa and passport take the place of a U.S. FICO score.
Most foreign-national borrowers close into an LLC. We issue the loan to the entity with a personal guaranty so title and U.S. tax planning stay clean.
Cash-out proceeds can be wired internationally subject to OFAC and bank-level KYC review — start the source-of-funds documentation early to avoid closing delays.
Frequently asked
Do I need a U.S. credit score?
No. A valid passport and visa (or equivalent) replace a domestic FICO score.
Can I use the loan for a primary residence?
No — foreign-national financing is for second homes and investment properties only.
Are gift funds allowed?
Yes, sourced gift funds can be used toward the down payment.