Foreign National Loans for U.S. Investment Property
Non-U.S. citizens can finance U.S. investment properties with the right lender. Foreign national loan programs exist for DSCR loans, fix-and-flip financing, and commercial real estate — no U.S. credit history required. PeerSense connects international investors with the lenders who close these deals.
Who This Covers
Foreign national financing is designed for non-US citizens purchasing US investment property, commercial real estate, or rental portfolios.
International Investors
Non-US citizens purchasing US investment property for rental income, appreciation, or portfolio diversification.
Commercial Property Buyers
Foreign nationals acquiring US commercial real estate — office, retail, industrial, multifamily, or mixed-use properties.
Portfolio Investors
Experienced international investors building US rental portfolios across multiple properties or markets.
No US Credit History Required
Foreign national financing programs do not require US credit history, Social Security number, or US tax returns. Qualification is based on the property, your equity position, and foreign financial documentation.
Products Available for Foreign Nationals
Multiple financing options designed specifically for non-US citizens purchasing US property and business assets.
Bridge Loans
Short-term financing for time-sensitive acquisitions or property transitions. Close in 2-4 weeks.
Learn MoreDSCR Rental Loans
Qualification based on property cash flow, not borrower income. No US credit history or tax returns required.
Learn MoreCRE Portfolio Financing
Finance multiple properties as a single transaction. Streamlined underwriting for experienced investors.
Learn MoreEquipment Financing
Finance business equipment without US credit history. Available for foreign-owned US businesses.
Learn MoreDocumentation Requirements
Foreign national financing requires minimal documentation compared to conventional US loans. No US credit history or Social Security number needed.
Passport
Valid passport from your country of citizenship. No US visa or residency required for most programs.
Foreign Bank Statements
3-6 months of bank statements from your home country showing proof of funds for down payment and reserves.
Property Appraisal
US property appraisal ordered by the lender. Standard requirement for all commercial real estate financing.
Credit Report (Optional)
Some programs may request a credit report from your home country, but US credit history is not required.
Simplified Process
No US tax returns, no US income verification, no US asset statements. Foreign national financing is designed to work with international documentation standards.
Property Types Covered
Foreign national financing is available for a range of US investment property types.
Residential Investment
Single-family rentals, condos, townhomes, and small multifamily properties held for investment income.
Small Commercial
Retail, office, and light industrial properties. Owner-occupied or investment. $500K–$10M typical range.
Portfolio Rentals
Multiple properties financed as a single transaction. Streamlined underwriting for experienced investors.
Mixed-Use
Properties combining commercial and residential uses. Common in urban and suburban markets.
Frequently Asked Questions
Ready to Invest in U.S. Real Estate?
If you are a foreign national looking to acquire U.S. investment property and the deal makes sense, there is likely a financing program that works. The question is which one — and that depends on your specific situation. PeerSense connects international investors with the right lender for their deal. One conversation. Direct introduction. No runaround.
Or call (317) 452-6990 to discuss your investment directly.