Invest in U.S. property from anywhere.

Foreign National & ITIN, step by step.

1. Tell us which one you are. If you live abroad, you are a foreign national. If you live in the U.S. and file with an ITIN, you are an ITIN borrower. The paperwork and the lenders are different, so this is our first question.
2. Qualify on the property. Most of these loans use the DSCR method: the rent from the property has to cover the payment. Personal income is often not required.
3. Expect a larger down payment. These programs commonly ask for more money down than a standard investor loan. Foreign nationals usually put down the most, because there is no U.S. credit to lean on.
4. Show reserves in the bank. Lenders want to see several months of payments held in reserve, and many want the funds in, or moved to, a U.S. bank account before closing.
5. Close in an LLC. Most investors close in a U.S. LLC. If you do not have one yet, we can point you to how to set one up.

These are typical market terms, not a quote. Every file is priced on its own facts and each lender’s current guidelines, and we confirm the exact numbers in writing before you commit.

Living outside the U.S.

• Valid passport, and a visa where your country requires one
• No U.S. credit score needed; some lenders ask for a credit reference from your home country
• Reserves held in a U.S. bank account
• Wire history showing where the down payment came from

Living here, filing with an ITIN.

• Your ITIN letter from the IRS
• Government photo ID
• U.S. credit history where you have one, often 2 or more years
• Bank statements showing the down payment and reserves

Built for these borrowers.

• Investors abroad buying U.S. rental property
• U.S. residents who file taxes with an ITIN
• Buyers who want to qualify on rent instead of personal income
• Investors adding short-term rentals in vacation markets
• Families building a U.S. portfolio across borders

Documents to gather.

• Passport (and visa where required), or ITIN letter and photo ID
• Purchase contract
• Bank statements for down payment and reserves
• Proof the funds are, or will be, in a U.S. account
• Lease or rent estimate for the property
• LLC documents and EIN letter
• Credit report, or an international credit reference