Foreign National CRE
For non-U.S. residents with no credit history.
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.
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
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
How funding works
- 1
Send a passport scan + visa and a sourced down-payment letter
- 2
Pick a doc path: Full Doc, Bank Statement, Asset Qualifier, or DSCR
- 3
We order the U.S. appraisal and clear title in parallel
- 4
Close at a U.S. notary or consulate — funds wired same day
Real borrower scenarios
Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.
Toronto investor buying a Miami condo
75% LTVNon-U.S. resident, no FICO, $400k in liquid assets
- Property value
- $800,000
- Loan amount
- $600,000
- Down payment
- $200,000
- Cash to close (est.)
- $225,000
75% LTV purchase using Asset Qualifier docs — no U.S. credit needed.
London-based DSCR cash-out
70% LTVForeign national, two existing U.S. rentals
- Property value
- $1,200,000
- Loan amount
- $840,000
- Down payment
- $360,000
- Cash to close (est.)
- $378,000
70% LTV cash-out refi qualified entirely on rental income.
Max LTV by program
% — purchase scenarios
Max loan amount
USD millions
Indicative rate ranges
Illustrative only — actual pricing depends on file, term, and market conditions
Get matched to Foreign National CRE
Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.