Foreign National and Permanent Resident Financing For Real Estate Investments

Foreign National Financing offers borrowers who live outside the United States flexibility when purchasing or refinancing investment property in the U.S.This loan falls under our debt service coverage ratio (DSCR) product which means qualification is based on cash flow of the property instead of the borrower's income. Foreign National loans are easy qualifying and quick to close for those who are eligible.
Minimum Credit Score 680


Maximum LTV of 70%


Maximum LTV of 65% for cash out


Loan amounts up to $1.5 million, minimum loan amount of $75,000


A DSCR program with a 1:1 ratio on cash flow (*Monthly cash flow is equal to monthly expense of the property)


Assets sourced and seasoned for 60 days – must be in an U.S. FDIC insured bank for a minimum of 30 days


12 months reserves required and must be in a U.S. bank


ACH auto-payment is required and form must be completed at closing


No sanction listed countries allowed


Cannot reside in the United States


Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2

 Lawful Permanent Residents (LPR)Lawful permanent residents (LPRs), also known as “green card” holders, are non-citizens who are lawfully authorized to live permanently within the United States.
Move quickly with no personal income verification required.


We offer multiple loan terms, rates, and leverage based on your FICO (Minimum 680 Credit Score)


4-month cash-out period: Refinance your property and take out equity in just four months after the finance transaction.

LPR Loans currently available for permanent residents in* AL, AR, AZ, CA, CO, CT, FL, GA, KY, IN, KS,MA,MD, MI, MN, MO, NC, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI and WV, as well as Washington D.C.