US Investment Property Loans for Foreign Nationals
Foreign nationals can buy US rental, commercial, and multifamily properties without US credit history or income docs. Same programs, same speed. Close in 13 days. Direct private lender since 2001.
Foreign National Loan Terms
- Loan amounts: $150K – $5M
- No US credit history required
- No US income verification
- ITIN or passport accepted
- 1-4 unit residential, commercial, multifamily
- Purchase and refinance
- Close in 13 days or less
- Available in 44 states
How It Works for International Investors
We evaluate deals based on the property and equity, not personal credit or US employment history. Foreign nationals get the same programs, same speed, and same terms as US-based investors. Borrow in an LLC or personal name.
Many real estate investors show lower taxable income because of depreciation, mortgage interest, repairs, expenses, and other allowable deductions. The goal is not to avoid tax. The goal is to stay compliant while not overpaying. Work with a cross-border tax specialist before purchasing.
Common Questions from European Investors
Can I legally own U.S. property without being a resident?
Yes — completely legal. Foreign nationals can own U.S. real estate. We help coordinate entity structure for liability protection, U.S. reporting, home-country reporting, treaty treatment, depreciation, deductions, and clear ownership rights.
Do I need to travel to the U.S. to purchase property?
Not required, but we recommend it. While property visits are valuable, we handle everything remotely: entity formation, banking, title work, inspections, and property management. We provide virtual tours and detailed market analysis.
Will I pay taxes in both countries?
Tax treatment depends on your country, treaty status, entity structure, and deductions. Many investors use depreciation, mortgage interest, repairs, expenses, and other allowable write-offs to reduce taxable income while staying compliant.
What returns can I expect from U.S. properties?
Returns vary by market, leverage, occupancy, expenses, and property management. We focus on financing structure, speed, and documentation requirements so investors can evaluate deals with their own advisors.
How much capital do I need to start investing?
Loan amounts range from $150K to $5M. Required capital depends on purchase price, leverage, closing costs, reserves, and deal structure.
Get Your Same-Day Term Sheet
Call (800) 805-3391 or request a quote online.
Direct private lender since 2001. Private capital. Direct decisions. No middlemen.
We finance investment properties in 44 states (excluding AZ, MN, ND, NV, SD, VT).